I just called my insurance and they informed me that they will cover all expenses for my midwife and birthing center and I will have no out of pocket expenses. I thought I was dreaming and ask her the same questions 5 more times lol. I am beyond over the moon😁. I hope there are no expected surprises later$$ lol. I will start discussing my birthing plan at my 14th wk appt on 12/10. There is a birthing center at the hospital where my ob is and I found out they already have a partnership.