I have an HMO with Humana, and am planning a HBAC. The problem is there is no homebirth midwife on the provider list. Someone told me if that was the case then the insurance had to pay at least the out of network cost. But the insurance has said that they will not pay anything. Anyone gone through this process and been successful? Who do I talk to, write letters too etc..., is there any hope. It is so frustrating to think that they will potentially pay $15- $20 thousand for me to have a csect., but won't even consider paying $5200 for a homebirth. I live in Texas if that makes a difference.