Don't worry about the money. Most midwives will work with you on their fees. Go talk to her, tell her your concerns, see what she says. I chose to have the birth I wanted regardless of whether insurance would cover it (turns out it did!) or how much it would cost. You just can't put a price on some things. Gestate in peace. Have the birth *you* want - you can make it happen! You'll find a way.