Pretty interesting about the financial thing- insurance controlling the birth scene. People prefer insurance to getting exactly what they want. If they want hospital birthing with all the "what if's" seemingly covered- stuff happens just as often in the hospital as at home- then that's what they will get for care and experience and if they never have anything to compare that experience to, then they won't care and they won't question and they will settle for that.
I think that as poor as we were back in the day, we were better off in certain ways than folks are now. When I had my babies at home, we had insurance but didn't care- there were no midwives in the insurance system and even if there had been, I would not have dealt with them because I wanted homebirth. There were no legal midwives here. I had one illegal DEM and one who was more like a doula- also illegal. Both very good.
We found these birth attendants, we made payments to them as we could and when we had a hard time with that we were simply honest about it and worked it out. (we're all human and everyone has had hard times- we are all in it together)The bill got paid eventually.
We didn't care about the insurance! We wanted to bring our children into the world in a particular way and we worked it out with the attendants so we could. We were the parents and we were responsible for outcome and for working out fair payment. We protected those women so that they could practice and be available to folks who wanted them. They were really great attendants.
I don't get how folks don't see that they can work things out to have the experience they might really want. See maybe I am a different kind of person: I was never going to be happy unless I took responsibility for making it happen for myself, since it was my body, my baby and my experience. We rejected hospital birthing.
Thing is, I felt SO empowered by these experiences, by choosing the way we wanted to bring our babies into the world. We had to form good relationships with the attendants since we needed to pay as we went and work it out when we had trouble. A community formed around homebirth.
I had had one hospital birth for my oldest where I learned how to birth and then knew what I wanted once I'd had the experience. All my births were fairly routine on the continuum of normal for sure. There was a lot of trust in the process.
Insurance is great for certain things, but also has the potential of lulling us into complacency and very subtly also into complicity with the system- we allow ourselves to be limited by it, and in that process we enable the system to determine our experiences.
So where does the change begin? See it's all backwards! The system has folks thinking that they have to settle for bells and whistles because it's covered. The truth is that if more folks demanded reasonable ways of accessing care and assistance if they need it for birthing, then the system would still be available to those who truly need it, rather than making that stuff the standard for all.
See, natural and home birthing could really be the norm-- it's all cock-eyed in my opinion, and backwards because that is what is making money. But that is perhaps becoming a double-edged sword for all those buying into the insurance system... and now... it's tough to get away from such an entrenched routine for birthing, to the point where rejection of it all is met with resistence, and in some cases punitive attitudes and actions.
Yet women still go there. And if that is what they want, then more power to them. But it's up to others who don't want it to create the alternative and support it regardless- it can be worked out affordably if that's your bottom line.
Back in the day, when it looked as if homebirthing would be sane wave of the future for all those who could and wanted to, leaving hospital birthing to those needing it most, something happened to shortcircuit that movement. I don't know what happened specifically- perhaps malpractice and the distancing from the possibility of death and birth happening at the same time evne though there are no guarantees... could be that. Whatever it was created a backlash that hurt the bottom line for docs- $$.
So money is what is holding birth captive. Insurance is keeping women in their place because it's an economic incentive to keep doing what's always been done.
It's always most effective to create change by hitting the pocket book. This can also be used to change what is going on. By withholding $$ from what you don't want to support you help build alternatives and movements.
I say, (and I know I am an old radical and it's a radical idea) take the money out of the hands of those you don't want attending you and feed it into your desired practitioners instead, regardless. Take a risk! It's an investment and it's about personal power. If you are ready to take responsibility for the continuum of normal birthing, if you trust in that continuum and in your competent practitioner, then you have the option... work out payments if you have to. (when I use "you", obviously I mean "you" in general terms).
If you cannot get outside the box of the system, then that is up to you... but your care will not be up to you unless you decide what you want and get it.
That's all I know. Like I said, I am an old renegade, rebel, radical. I remember the time when homebirth seemed to be the way things were moving. I'd like to see that happen again.
Sorry to go on and on...

J.