I am feeling so low today. I received a letter from my health insurance company (who up until recently DID cover home birth with my midwife) saying that not only would they not cover my homebirth but they also would not cover any "charges related to complications arising from a non-covered homebirth." So I assume this means that in the event of a transfer to the hospital we would be responsible for all the costs? I don't know how to interpret that and I certainly don't know what to do here. We knew that we might have to pay for the homebirth out of pocket but we had no idea that we might also have to pay hospital fees if we had to transfer!
I am 38 weeks pregnant and looking at the possibility of having to transfer to a OB/GYN practice this late in the game...I know it would be the practice that backs up my midwife but I don't know their policies on anything (induction dates, delayed cord clamping, not having IV's in labor, etc.) I guess I should have done my homework beforehand so I would know what to expect in the case of a transfer but I just assumed that if I was transferring it would be an emergency and none of those things would matter as much.
Part of me is okay about having to give birth in the hospital. My mom is here to help after the baby is born but she often needs to be taken care of herself so I was worried about how we were going to work that. The hospital is pretty natural birth friendly, but like I said, I know very very little about the practice and it would be up to fate as to who would be there for my delivery. Ugh.