The case load programs have many requirements that you have to meet to be accepted. There are conditions that an independent midwife will be happy to manage at home, that a midwife working through a caseload program may be obliged to advocate you to transfer to hospital. Have a read of the homebirth general discussion thread, there are women going through both hospital homebirth programs and homebirths with independent midwives or other supports.
For me, it was worth paying the costs of an independent midwife because i did not want to transfer unneccessarily. There were things that came up in my pregnancy and labour that would have gone differently had i been with a hospital program, and i am so grateful that i had my experienced midwife with me.
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