Out of pocket home birth $5-8Kish. My insurance had a $3K deductible. My baby was born the first month of the plan and my family had free health care the rest of the year. Also every appointment was at my house and an hour long. Post partum appointments at my house for me and baby at 24 hours, 3 days, 1 week 2 week 4 week and 6 weeks. Midwife available by phone for everything in between and could have extra appointments if needed. She was also IBCLC certified.