It sounds inappropriate to me, but of course much of the insurance of prenatal/birth/postpartum care sounds inappropriate to me. I don't know if it sounds unusual. If you don't get enough answers here, you could try calling another midwife center and ask them - even if you don't plan on using them you could get an idea of whether or not the practices of the local midwives is normal. You could also ask for an explanation of the fees and EXACTLY what is covered and what isn't (it sounds like maybe you already did this, but maybe there was a misunderstanding?). I'm considering a homebirth (not even ttc yet, but some day) and am interested in any information. Good luck!