In Ontario, Canada, it's "free" whether you choose to give birth under a doctor's care or midwife's care. You have to pay for / provide your own birth supplies though, if you give birth at home (e.g. hydrogen peroxide, olive oil, food and drink, bins for the placenta and vomiting, etc). The government covers the expense for prenatal and birth care (and medical care in general), so I guess that's one of the reasons why our taxes are so high.