Oh my. Some of you are so lucky.
Our first dd was born at Elizabeth Seton, the freestanding birth center in NYC. (The one that is being forced to close because of insurance reasons. Grr...) And we had to pay out 1000$ for a facility fee, (our regular insurance covered the midwifes, but we have separate insurance for hospitals, and they do not cover the birth center. Only hospitals. Double Grr...) plus a couple of co-payments, and the required birthing class sessions, breastfeeding class etc. So all total it was about 1800$ dollars out of pocket. But this seemed worth it since we were getting the birth we wanted, and this covered all of our prenatal care, all of our postpartum visits (I had a few, I had some problems afterward.) and a home visit nurse. I know that Eliz. Seton's standard fee was about 7000$, and that our insurance paid 5000$, which I thought was generous since I was only there less than half of the pg.
Now with our current pg, were using a homebirth midwife in New Jersey. She does not accept insurance, so while her standard fee is 5500$ for all services, pre and postnatal, birth, and home visit, clients pay 4500$ and she bills the insurance the full amount. (Or something like that.) We pay prior to birth, and I'm praying that our insurance (same as last time) will pay us back. But none of this factors in the cost of the birth kit, the rental of the pool (which is a nessessity as far as I'm concerned), the 200$ I paid to the birthing center here in Philadelphia before switching, the co payments on labs I've had to do, and the 847$ bill I've been sacked with when my insurance refused to pay for the sonogram I required because of a pre-existing monster of a cyst that had to be checked in case it was trying to swallow the baby or something. Again, it seems worth it in the long run, but for right now it's really put a strain on our budget.