I would really like to at least attempt a HB next time around, checked with my insurance if they cover homebirth. The woman I spoke to at insurance company said that they did cover midwife services, which I already knew because I've used one before but didn't say anything about the birth having to be in a hospital, an hour later she called me back and said that they would only cover midwife who worked in a "facility". I don't understand why it matters where the midwife works, if they cover a midwife I would think they would cover her services no matter where she worked. Have any of you been told this? Is there anyway around this? Could I just have the midwife do the homebirth and submit bill to the insurance without it saying where the baby was born? It really annoys me that we pay for insurance but they get to decide where I can have my baby.