So last week Mr. T and I met with these really cool homebirth midwifes that we both had a good feeling about and decided that we want to work with them. Yesterday I had my first appointment and everything seemed to be on track. Today I find out that my insurance will only cover $2800 total for a homebirth which means that we would have to pay $3000 out of pocket. If we do a hopsital birth it will be completely covered. Even though a hospital birth will cost the insurance company 3 or maybe 4 times what a homebirth would cost they will pay the whole thing no questions asked!
I am not working and don't seem to be very good at earning money. Technically we can get $3000 together and the midwifes are happy to accept a payment plan but does it make sense considering how many more expenses we will have once the baby is born and considering that we could deliver for free.
Or is that the wrong way to look at it. Should I look at it as having the experience and care that I want is worth paying for regardless.
I feel like during a homebirth we would be completely cared for and respected and unhurried and we can create whatever kind of environment that we want. With a hospital we have no control of the environment, I would still get good care but i would be in an institution and have to follow their rules and have to fight for stuff that would not be a struggle in our livingroom!
Feeling very conflicted and incredibly frustrated!
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