I had a successful homebirth/waterbirth. I recently had a friend mention how they are postponing children because they need insurance first. Consider a homebirth! Especially if you live fairly close to a hospital (I didn't at the time). Of course you are entilled to know what is best for you, so pray about it, God will tell you.
Consider the cost breakdown:
Paying cash for a birth (aka no insurance), in a hospital, with an OB, and perhaps an epidural: $10,000-15,000.
Paying with insurance: this varies. I've known some folks who have to contribute $5,000-8,000. Some just have co-pays with a deductible, and some have just co-pays. Others don't have to contribute anything outside of their paycheck contribution. For me, it actually cost more to do it at home than in the hospital.
Cost for a midwife: $1500-4000, depending on her experience and the going rate in your area. Here, it's typically around the $2000 mark.
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