I'm having a hard time getting BC/BS of Minnesota to agree to pay for anything except for prenatal care for my homebirth. I've got a $1000 out of network deductible I have to meet with them before they'll pay for anything. I had to get a job just so we could pay for the deductible - it's irritating because I didn't think I'd have to work for a lot longer. Right now, I'm just waiting for them to send us the copy of the contract wording and the complaint form so I can basically start a case for them to agree to pay for homebirth.
Does anyone have suggestions on how to proceed? What research (that I want to send with the complaint form) would be best for an insurance company to see and to read? Can anyone post links to medical journals or government sites or anything that could show them that homebirthing is safe and cost effective? It's one thing to quote some run of the mill website, but a reliable source I think would be my best bet for a postive outcome here.