My first two kids were born at a free standing birth center and at home, respectively. Now I am expecting number 3 and I am stressing out about my birth options. We are a single income military family so finances are tight.
There is no midwife or birth center around that takes Tricare. I can pay everything up front and then bill Tricare myself but a) I don’t want to deal with that stress and b) probably wouldn’t get anything from them.
So my options are as follows.
Option 1: Birth at the military hospital. Dear God I hate this option. It would be free but could I even do it? Being in a hospital makes me so anxious as it is and I don’t want to fight people while I’m in labor. This is my last option.
Option 2: Get prenatal care at the hospital, have an “oops” birth at home unassisted. This would be cheapest. Bad part is I would have to go in afterwards and deal with the hospital anyway, also I have a history of heavy bleeding after birth but I don’t know if that had to do with placenta issues.
Option 3: Get prenatal care at the hospital, then see if I can pay a midwife *just* for the birth part. I don’t know if any would be willing.
Option 4: Go to the birth center, pay out of pocket. It’s cheaper than home birth, but still expensive and have to leave home.
Option 5: Have a home birth, pay out of pocket. Best birth option, worst financial option.