I would have a chat to various IMs about how you are feeling and what you would like. This will give them a chance to either offer you what you want or explain clearly why they don't offer that sort of service.

From my perspective, I am on a fee schedule where I pay per ante-natal appointment and then pay an on call booking fee, a birth fee and then post natal support visits as needed. I assume that the ante-natal visits are pretty set as in there are a set number that the middie will attend as this ensures they are doing their job properly and are safely keeping an eye on you.

In answer to your question about what I like about my the option I have chosen, well, I didn't really choose this option, I chose the midwife and she came with this fee structure! But I am happy with it as my last birth experience was less than desirable and ended with a c/s which I knew at the time and definitely know now, was not at all necessary. I want to do all that I can this time to avoid that and have a natural birth in the comfort and the safety of my own home. I like you went public last time and did not pay a cent, but I did pay in other ways IFKWIM!

I understand your issues with the cost. It is not fair at all to force people to pay for IMs when hospital births are subsidised and often cost more than home births. I also understand your frustration as I assume from your post that things worked ok for you in the hossy last time. Its good that you are thinking through all of this and I hope my experience and reasons help in a small way with your big decision.

Having said all that, even with the costs of an IM an homebirth, so far, I have felt it is the best money I have ever spent

Oh and my midwives have a little note on their fee schedule stating that if you have any financial difficulty or concerns, feel free to discuss, they may be able to negotiate a suitable payment plan.