I am undecided. I will either birth at the North Shore Birth Center in Beverly, MA, where I had my DS2 or I will have a homebirth. I would love a HB but don't know much about them yet. I also was told by a friend that most ins. companies don't cover it and it is expensive. If that is the case then I definitely can't have a HB :( DS2 came so fast, 3.5 hours start to finish, that I am worried this one might shoot right out of me and I won't have time to drive to the BC anyway!
Home Birth, Birth Center, or Hospital: What type of birth are you planning and why? - Page 4
writermama- The insurance coverage of homebirth varies by state. I am under the impression that many ins. co.'s cover homebirthmidwives at out of network rates. Sometimes a call can be made to insurance companies to get the hb mw covered under in network rates though. I have heard of people getting success at in network coverage when they say a service they require (a homebirth midwife) does not have an in network provider available within a certain number of miles. Another option is approaching your ins co. with research and the fact that hb is often less expensive and uses less interventions, both of which save the ins. co. money. You can search google for the specifics of your state, but there are also a lot of success stories in mothering.com forums if you search for something like, "homebirth in network" or "homebirth insurance coverage." Again it varies based on location and state, but my hb midwife charges considerable less than what I was charged when I had a hospital based midwife. And finally, if/when you interview hb mw's, they are often very knowledgable about insurance companies and would be able to provide you with more location specific info!