Like people have said, babies can turn right up until the point they're born.
So you have plenty of time.
But I always have to recommend the Farm (as I'm sure people who hang out here are getting to know
). I loved my ds's breech birth there, even with all the stress of switching providers half a week before the baby was born.
But it was a beautiful place, Ina May was very hands-off, and I couldn't have asked for a better birth. I would never go into a hospital if I wanted a vaginal breech - that kind of stress would not be fun at all during labor.
We did try everything to turn him, even an external version. If you end up trying one of those, I recommend not waiting too long after 36 weeks. DS was just too big by the time we tried, I think he'd dropped into my pelvis too, and he wouldn't budge. It was not a fun way to spend my evening - it hurt quite a bit, though luckily the baby was fine.
As to the cost, $3000 is for regular births, unfortunately. We paid $4000 out of pocket for a breech. They do take out-of-state insurance, but we didn't get very much back from ours. Maybe your insurance would be better about it. I bet you could talk to the midwives, though, if it comes down to it, and work something out. Also, the room and board isn't bad at all, so that helps. It's $200 per week, if I recall correctly, to stay in the birth houses. Better than a hotel. (As for board, though, they don't provide food, I don't think, but there is a little shop somewhere, and you can always bring your own groceries, since you'll have a kitchen in your birth house.)
Your baby will probably turn, but if s/he doesn't, the Farm is sooo worth it. Good luck!