If Goshen Birth Center appeals to you, it might be worth contacting them to look into billing options, if you haven't done that and ruled it out already. They spend a lot of time working with insurance companies trying to get as much coverage as possible, and they also offer a significant discount for families who end up needing to pay cash. I gave birth there (it was perfect) and though my insurance technically didn't cover the birth center at all, the birth center was able to get my insurer to cover most of the expenses.
The midwives at Fairhaven OB, who run the birth center, also deliver at Goshen General Hospital, which has contracts with most of the major insurers. When I was planning my birth a few years back I visited that hospital and looked at many of their statistics, like rates of c-section, epidural, augmentation, VBAC, and successful breastfeeding upon discharge, and they were among the best I have seen. The lactation consultant told me about how pleased she was that babies born by c-section go skin-to-skin immediately upon delivery and that the newborn nursery is almost always completely vacant because no one sees any reason to take babies away from their families. Several of the nurses there are also birth assistants at Goshen Birth Center, so unmedicalized birth isn't foreign to them. If you are planning a hospital birth it might be worth giving Goshen General a look. I know another family that had a good experience at Elkhart General, but I don't know any of the doctors who go there and I haven't visited it myself.