There's a great homebirth midwife in town, that's not the problem.
The problem is, we have an HMO, which will cover nothing towards a homebirth and almost everything towards a hospital birth. If we stay one night or less: $500 for everything, unless we need extra ultrasounds for going past 41 weeks, which are $50 a pop.
We're trying to buy our first house, so money is an issue.