Doctors can afford to accept drastic rate cuts in exchange for "preferred provider" status. Most home birth practices do not do enough business to sustain themselves on those rates. Also keep in mind that insurance companies do pay for patients to see non-preferred providers, just the rates are usually higher. We're not trying to "get around" anything, we're just trying to get paid for our work.
Accusing midwives of artificially inflating our fees to accurately reflect the amount of work and care we provide to our clients is begrudging us fair pay for our jobs, and accusing us of having to "sucker" our clients into paying our fees is disrespectful and insulting.
Maybe 'sucker' was too hyperbolic a word choice (I'm not trying to be insulting) but, my point being, how come we don't see doctors trying to make patients sign contracts saying that they will make up the difference that the insurance co. doesn't pay and force their patients to pay the retail rate? Are they legally prevented from doing so? I know that a Tricare provider MW CANNNOT legally do this, so that is why I am asking.