Share 'The Dreaded Insurance Debacle'

My husband and I have been through a whirlwind of change in the past week.. going from the decision to deliver at a hospital with an OB from a large practice; to a water birth in a privately owned Birth Center attended by an OB, family practioner and midwife.  Everything was falling gracefully into place for us, UNTIL the insurance.  Because the Birth Center is not an in-network facility, and "Ma…