I just wanted to tell everyone not to give up hope with your insurance company. When I was pregnant with Grace I was told by my insurance that the birth would not be covered, but it may count toward my out-of-network deductable. Just last week I received a check in the mail from the insurance company. My midwife filed all the paperwork after the birth and apparently my insurance company had a change of heart. lol They only paid for about 25% of the birth, but it did all count toward my in-network deductable, which was then met for the year.
Don't let your insurance company discourage you from having the birth you want! It's amazing what a midwife with coding skills and a lot of prayer can do