I am 20 weeks pregnant with my 3rd baby. Both of my other kids were born in the hospital with a doctor. I didn't use medication either time and had natural/ uncomplicated deliveries and pregnancies. I want to do this third labor and delivery at home with a midwife, but living in Maryland, it is super difficult to find a home birth midwife. Finally through an acquaintance who has done home birth I got in touch with a midwife. The midwife takes my insurance, but only as an out of network provider. She wants to be paid up front and will submit a claim and reimburse after the birth. We would have an $800 deductible, plus a few other small fees for the birth kit, and birth assistant ($700 to be paid up front and reimbursed after insurance claim.) The issue is that after all is said and done, dh and I would be paying roughly $2500 out of pocket. And we would have to come up with a $3600 dollar deposit with in the next 16 weeks. On the other hand, if I stick with my ob/gyn and deliver in a hospital we will still have to pay a bit out of pocket but it would be more like $1000. Dh has said he won't stop me from doing the delivery at home, but he also keeps reminding me that there is a small chance we could wind up paying the midwife the full fee if insurance rejects the claim. It is not likely they would reject it, but it could happen. I feel like dh would prefer me to deliver in the hospital (though he won't say it out loud) because of the insurance. But delivery at home would be ideal for both of us and my other kids who we are having trouble finding child care for. The $2500 would not break the bank, but it would make things a little tight for a while. So, I guess I'm wondering what some of you would do. Is it selfish of me to have the birth experience I want even though it is more expensive? Or should I just suck it up and go to the hospital and pay less? I'm really torn, and I don't want to disappoint dh by choosing something that he feels is too much. But at the same time, I know I will not be very happy in the hospital missing my boys and not being able to relax and enjoy my new baby.
on May. 7, 2013 at 9:25 AM