Here is what I know... They cover a midwife (CNM) as well as CPMs if your CPM is delivering you at a birth center overseen by a CNM. Does that make sense? And they do cover homebirths. If your provider is covered, your homebirth is covered. I know some local midwives who will charge a small fee if you choose a homebirth because they make their money on the Facility charge, which you wouldn't have with a homebirth. The midwife I know of, charges $600 if you want a homebirth... 100% covered if you go to the birth center. Considering how expensive it could be, I figure that isn't bad! Of course, we are in DFW, so it may be different in other parts! HTH's!