Yes health insurances will not cover them. You can try and write letters to them.Explaining you could go to the hospital and have them charged so much or be only charged this much. but most still will not. I can't remember how i found my first. but with my third my Doula helped me find a midwife.
Do a google search ro midwifes in your area.
For a healthy, normal pregnancy, a midwife can be safER than hiring a surgeon/high risk specialist. (*Your risk for a surgical birth decreases when you don't hire a surgeon!)
High-tech does not yield safer outcomes.
Maternity care & health insurance a BIG business. Covering/not covering midwifery care is more about the bottom dollar than utmost safety.