It sounds like the OP has insurance.
Depending on whether you choose in-network or out of network facilities (assuming you have a PPO), you need to look at the out of pocket maximums for 2 people (one for you and one for baby). This is the most expensive it would be, assuming NICU for baby and c/s for you. HMOs usually have a prenegotiated price and that would be your expense.
For HB, fees can range from 1,000-4,000 depending on where you live and are typically a flat fee. It depends on your insurance plan as to how much of this they will cover. If midwifes are legal and licensed in your state, the insurance company will probably pay something.
In the case of transfer, you may have to pay both but there will be a maximum out of pocket amount per person (baby counts as a second person).
Since I wouldn't hospital birth without a doula, I add the doula costs onto the hospital costs. With my insurance (that covers both HB and hospital birth) it is cheaper for me to have a HB with out of network MWs (none are in-network) than to pay the in-network hospital maximums for me and the baby by about $350.