Some midwives are covered by insurance. Depends on your insurance, and the midwife. You can either call your insurance company or look online (if they have a website & I believe that most do) & see which midwives in your area are covered. They may be covered 100% by insurance, or, if you go out of network, insurance will (should) cover a portion (like 70/30...60/40...if you're lucky it'll be 80/20).
In my case, the midwife associated w/a hospital is covered 100% by our insurance. The midwife associated w/the birthing center is not (dang it), neither is the birthing center. Insurance will cover 70% of the cost. Yes, it's gonna hurt to pay, but at this point in my life (fortunately), I'm not a slave to the insurance company (maybe not the best analogy, but you get my point). I do NOT want to give birth at a hospital. I had my 1st child at a birthing center (now closed) & really, really loved the experience. I thought long & hard about my decision, 'cos I'm **cheap** & would rather have insurance cover everything, but I cannot deal with hospital b.s.-particularly post-partum. I have no OB, BTW, I just use midwives for well-woman care. They have a much better bedside manner, IMO.
I saw the midwife at the BC yesterday. I'm 6? 7? weeks along. Don't have to go back until 15wks.