We had a home birth, and the billing was pretty straightforward. We paid $5k for the all care through the birth. However, we knew that if at any point the pre

We had a home birth, and the billing was pretty straightforward. We paid $5k for the all care through the birth. However, we knew that if at any point the pregnancy became abnormal enough that we needed to transfer to hospital, we would be stuck paying whatever the hospital and our insurer agreed to, and we wouldn't get any of the $5k we paid to the midwives back.