Oh, I've been paid by Aetna twice, but this is not always the case and I wouldn't ever count on it. They are one of three specific health insurance providers to state they will NOT pay for homebirth. I consider the payments I did get to be flukes.
I am interested in what you did - no matter the phone calls that I've made, my clients have made, etc, have resulted in payment. The ones that we quietly just submitted "just to see" were the ones that were paid.
I would never count on payment and choose a plan based on that hope that I *might* get it covered. In a situation where it would cover me, I'd choose that policy. But especially if they tell you or your provider ahead of time that they will NOT pay for it, that is typically the last word in going back to the phone recordings.