I have BCBS-MA. 2 years ago I called them to ask if they covered home birth. They said yes, but only with a CNM. I didn't realize at the time what I found out a day or two later, that CNMs may not attend home births in Massachusetts, so I didn't get to hear the guy squirm on the phone about that. I didn't bother to call back or anything; we just paid a DEM out of pocket.
Yes, it's very strange that I could march into a hospital and ask for a c-section and get all the bells and whistles and that's no problem, but a $2500 home birth was out of the question. I have wondered if I should have tried harder with BCBS; even if I didn't get it covered, maybe just having an increasing number of voices demanding this might change things. Or not.
Homeschooling mama to 6 year old DD.