I've been reading a lot on here about gap exception and some people have had success and others have not. Before I found out about gap exception I called my insurance (Aetna POS) and ask if they cover home births by CPM's ad instructed by my doula. They said they cover anything out of network 60% with $1000 deductible. Now I want to find out more about the gap exception and I'm not sure how to go about it. Has anybody had luck in NJ with it? Do I call and ask the insurance about gap exception or just submit paperwork for it without asking? I will be submitting all necessary paperwork myself unfortunately my midwife does not do it. She is licensed in NJ as a certified professional midwife, is that the same as a CNM? Basically I need step by step instructions on what to do and what to say so I don't look like a complete idiot when they start using medical jargon that I don't understand on me. Should I start doing this now or after the baby is born? If anybody could help me I would really appreciate it, or steer me to the appropriate threads in this forum. Thank you.