I had the same MW as HotI - $4k for everything. We started care from 13wks and had our last one 8wks post-partum. She was with us for 21hrs at the birth, and we had a second MW for the last 6hrs or so. If I went and added up the time she spent with us, I don't reckon the hourly rate would be that high. I was lucky in that we were able to afford it without any major changes to our lifestyle but it really was worth every cent and if her care was several thousand more, I'd pay it. Next time around we'll likely have zero savings and I'll be working part time so it will be harder - I'd beg and borrow to be able to afford another HB.

ETA: Sara, how disappointing