why is insurance so confusing when it comes to home birth?

Insurance is complicated no matter what. Health insurance companies are for-profit businesses who collect as much money as they can in monthly premiums, and will find reasons to pay out as little as possible for the care that people need. Each insurance plan is different. You may be pleasantly surprised by what you find, or disappointed. Always compare your midwifery care coverage to what you might pay in the hospital, as high deductibles exist for many insured people, regardless of place of birth.  See the “billing” page for more information about pricing and how to get accurate information about insurance coverage.