What value would you put on having the experience you want instead of the one you are forced to have due to insurance requirements and constraints.
It's rare for insurance to cover a home birth and not everyone has the money just sitting in the bank to cover a home birth midwife's fee. How can you find the money to cover a home birth? I have a few suggestions.
- Start saving for a home birth in a regular savings account. This option is available for everyone and can be a great way to get a head start on funding a homebirth, or to supplement HSA funds if needed. You can start funding the birth before baby is more than a twinkle in your eye.
- Use your Health Savings Account if your employer provides that option for you. HSA money can be spent to cover costs related to birth including home births.
- Use a gift certificate. Some midwives may offer gift certificates so family and friends can support you in getting the birth you want. If the midwife doesn't offer gift certificates, she may be willing to if asked.
- Add funding for the home birth to your wish list for a baby shower.
- Let family and friends know you are working to fund a home birth and would appreciate any help they can offer including financial help.
- Declutter and have a yard sale or sell things online.
- Bartering for all or a portion of the midwifery fee may be an option if the midwife is open to barter.
Births are life changing events, just like weddings. Couples will plan out the details, and make the investment to have the wedding they want. Births should be no different.