I am 5 months pregnant with my first child and I want to have a waterbirth either at home or in a birthing center using hypnobirthing techniques but I'm having trouble finding a midwife in my area that accepts Blue Shield PPO Insurance. Most Midwives want me to pay upfront and we don't have $5,000 extra laying around. It's sad that having a hospital birth is so much more convienent than having a homebirth. I'm having a lot of trouble here. Any help?