So if it came down to it, I would totally pay to have my baby outside of the hospital. But my "issue" lies now in the fact that my birth center will be covered again like last time (because we have to be sneaky and code it as though their OB they have working with them is the provider so the insurance will pay it). When we weren't sure, I was all about the home birth since we thought we'd be paying anyway.
Since now, we are 95% sure that the birth center will be covered again, I'm torn. While I would like to try a homebirth, there's that nagging feeling that we'd then be $3,000 in debt when we've worked so hard to be debt free (other than our mortgage). The birth center is a great option....I had the best experience there last time and this time they are even closer since they moved locations. Now it's less than 10 minutes where before it was 45 minutes away. That was the only "downside" last time.
Because it's still "difficult" to find someone to attend homebirths in Georgia, there's also the issue of *if* I ended up transferring to hospital from a HB, I would not receive a warm welcome in the least. Of course I don't see anything going wrong now, but *if* something were to change in the last part of my pregnancy, then I'd be stressed trying to find an OB that would take me at that stage. I know if I showed up at the hospital in labor, they'd have to "treat" me, but I just hate that feeling.
I just wish homebirths were already being done here and OB's were cool with it and would provide backup so it would make me feel better.
I do feel soooo lucky that I am 10 minutes from the only free standing birth center in our state and had such a great experience there last time so I do have the option of an out-of-hospital birth again. It's just that when we found out insurance will be covering this birth center, it kind of deflated our homebirth consideration. Ugh. I wish I had a magic 8-ball to tell me what to do
Thanks for reading my whiny post!