I was just thinking the same thing Cassius, that if homebirth were more accessible financially it might become a viable option for alot of people.

I know our health insurance covers some homebirth but Im not entirely sure about the legalities of it. So I guess Id better call and sus it out. $3400 would be doable for us and I think hubby wouldn't really balk at that esp if our PHI covered some of it.

Although Im also not sure why there needs to be a second midwife if everything looks to be going ok; the second midwife barely made it to my last birth and she pretty much just took photo's for us.