I am pretty lost lol.
I am currently at the same practice (hospital) that I had DS, DH still needs some convincing for homebirth, I think a lot of it has to do with money...the rest with safety and mess lol. I'm fine there, my birth went fine with DS...but, my labor was REALLY LONG and I think ultimately I would have been more comfortable at home, I've also witnessed 8 homebirths between siblings and friends, and the only hospital birth I've seen is mine and my son's lol...so, homebirth is really what I feel comfortable and accustomed to.
On to my question...how does it work with insurance etc? I have a relatively obscure one, and I feel pretty certain that any midwife I choose will be out of network, and DH will never agree to the extra cost with that. Does it make a difference (with insurance) if I use a DEM/CPM vs CNM? I do have the option of either in my area--but have a CPM about 15mins away which would be great! (also, I felt pretty taken back by the contact I've had thus far with the CNM--I'm not sure it's the best fit personality wise).
I'm also curious about he legal aspects...I live in MD, very close to PA, WV and VA.