Some health insurers pay out small amounts towards home midwifery services, but as far as I am aware, none of them even approach covering the full cost.

DW charges $4000 for the full package - antenatal care and education, birth support at home or in hospital, and postnatal care. One of the midwives who was there when Molly was born in Sydney now charges $5000.

Welcome aboard, AnnaT - I think you've made a great decision.