I'm almost 28 weeks pregnant with my first baby and have been seeing a regular OB but this whole time I've been trying to find a midwife in my area. But it seems like the fates are conspiring to stop me from seeing a midwife. I have found one midwife who'll deliver for me at a hospital too far away and another who won't see me until I get my medical records (but the OB office is being painfully slow getting my records to me). Any suggestions on how I can find a midwife in my area that my insurance will cover??
Also, what I'd really like to do is have a home water birth but no one in my family is supportive of this. In fact, my husband has refused to go along with it because he thinks it's unsafe. My mother thinks that a tub would make the floors of my 100 yr old house sink in, and my in-laws tell me it's flat out stupidly dangerous. My own stubbornness wants me to tell them all that I'm the one popping this thing out and this is what I want so they can just mind their own business... except for my husband. It's his baby too. But if I do what he wants and have the traditional hospital birth--I've been having nightmares about that and I know I'll regret it. My solution was to find a midwife who'd deliver in a hospital but a.) there aren't any hospitals with water birthing around me close enough to be feasible and b.) I can't seem to find a midwife in my area period! At this point I'm looking for any advice at all!
One more thing, here is a link to find a homebirth midwife in your area if your husband changes his perspective - http://www.mothersnaturally.org/midwives/findAMidwife.php
As far as insurance, keep in mind what you would pay for co-payments, deductibles, etc. to really compare costs of home/hospital birth.