I am pregnant with my third child and I am determined to have a birthcenter or homebirth this time around. My last two were pain med free, but induced, and I don't want to have any part of that again. So here's the problem, my husband's work just switched our insurance over, and we are stuck between a rock and a hard place when it comes to delivering at all. It's going to be 2500.00 regardless of whether I deliver in/out of a hospital, but it could end up costing us huge amounts of money if we do have an emergency. I'm not anticipating this, and neither is my midwife, but the fear of being in such debt is just wearing me down. Does anyone have any experience skirting around the insurance companies policies and making the system work for you? I now have a Blue Shield PPO, apparently there is a list of approved providers and to step outside of that means you are responsible for 100% of costs. Any help would be great. I'm going to meet with my midwife today to get her input as well.