My MW's global fee is $12,000. She is a CNM with 30 yrs experience combo working in hospital l+d as a nurse, then as a MW in the hospital and now I believe has been a homebirth MW for 15ish yrs. She is one of the top homebirth MW's in NYC and I booked her when I was 7 or 8 weeks for fear of her getting all booked for my EDD. She's a busy woman. She works 5 months, takes off a full month, works 5 months, takes off a full month. Some people like her style, some don't. I do. She was in the movie The Business of Being Born. Not that it matters but I think it did something to spread her name a bit and make her busier. After that movie came out homebirth became more popular in general in NYC.
Anyway, I digress. Her fee is $12,000. Some insurance thingy she has pays $4500 of that so the responsibility on the patient is $7,500 not including any birth kit or tub or doula. I hope our insurance covers a large chunk of the $7,500. Otherwise we're up sh*t's creek. We're looking at about $6,000 of coverage if all goes well so we'll have an out of pocket balance of $1,500. We've been paying our estimated balance off in installments since my MW asks it gets paid before the birth. That rubs me the wrong way a little bit, that we're paying for a birth that hasn't even happened yet but I chose to not make a stink over it. If my insurance "negotiated" I'd like to think they'll pay more but they're strict on no negotiations. My MW does require a doula for first timers so we're looking at $1000-$1200 there.
So our estimated costs are:
$1500 to MW
$300 placenta encapsulation
$500? birthing tub....could be more with delivery? no idea, only briefly looked into it
Birth supplies, no idea how much $$
Given that we live off a single, very modest income by NYC standards, the above costs are definitely a lot for us. I am hoping DH gets a bonus in May otherwise it's just going to come out of our modest savings.
I just gave you a lot of info