I am still shocked at how insurance wont cover HB. Golly! But at the same time I am glad because it means midwives practice for the love and not the insurance payout. But as a consumer I would LOVE LOVE LOVE for the insurance to cover HB. My deductible is high and with my first one I ended up paying almost as much as a homebirth. As a doula, I see the value of a homebirth.
I always tell women, even if they know the answer - to call and ask the insurance company if doulas or homebirth midwives are covered under thier plan. This helps the insurance company know there is a market for offering these services under their plan long term and can help to change the culture. :-)
There is a chance I might risk out of being elgible for HB but so far the midwives all think it is a go as of now.
ETA: I go seen an OBGYN today as part of my care model, the midwives feel it is best I have concurrent care because of my bicornuate uterus, thyroid, and history of preterm labor. I am feeling ok about the visit only because it is next to an artisian chocolatier 
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