I had Kaiser with DS and started my prenatal care there prior to us deciding to have a homebirth. KP is a great back up to hb because prenatal care and delivery is so cheap that if you do have to transfer there isn't another large expenditure. I did my testing there and continued with a more limited schedule of visits throughout the pg, even while under the mw's care. That being said, the midwives around here charged the same for us starting care in month 5 as if we'd been there in the beginning and I didn't find anyone who would just deliver. Maybe a birth center would work, but otherwise not sure if you'll be able to make it work that way.