I might as well reply.
With my first pregnancy, I borrowed money from my family and friends to pay my midwife. They let me pay them back when I could. A year after the birth of my son, I finally got my insurance to reimberse me 100% (DISPITE THEM NOT COVERING HOMEBIRTHS. They did cover prenatal care and postnatal care that was billed to equal my midwive's fees). I was able to pay back my relatives and friends in full. It was certainly worth it. I had the birth of my dreams. I was treated with love and respect throughout my prenatal care, labor and post-partum. My child was not subjected to tests, separation or handled roughly. I pushed him peacefully into my husbands hands, dispite complications that would have ended in a C-section had I been in the hospital or birth center. I slept in my own bed, with my own husband and my own baby within a couple hours of my son's birth. Yes, I made the right decision to ask for help from my family. I also made the right decision to persue my insurance company. I would have opened up a credit card to pay for my homebirth it was so important. I would have sold my car. I would have stayed home and had a freebirth. I was thankful that some of the family members I approached were able and willing to lend me money. But, I would not have drawn the line there.
With my current pregnancy, money is much more tight than it was with my first. This time, I'm only working a few hours a week, as opposed to full time and the midwife's fees have gone up to $2900. My husband and I switched insurances to coverage for 80% of out-of-network providers. Again, the insurance does NOT cover homebirth, but they do cover prenatals and postnatals. I worked out a deal with my midwife for her to not charge me, but instead write up bills for my insurance company and wait for them to pay. I made up a billing plan for her to follow and I submit them to my insurance. I call my insurance and make sure it's gotten to the right place. I keep on them. I'm making sure they pay her so I can have the birth at home that I want. This is actually easier than my last birth, because I don't have to find relatives to borrow money from.
I should also note, I really think freebirth or unassisted childbirth (UC) is a wonderful option. When $ is the ONLY issue, UC is not the ONLY answer, but it is something to consider.
The sacrafices I have made (pride, time, energy, stress, debt) to have my children at home has been repaid to me 10,000%. I know that I have made the right decision for myself and my family. I feel home is the safest place for a child to born and for a mother to be made and that is worth more than money to me.
May your heart lead you the right decision for you and your family.