You just need to do some research. Most insurances will cover a midwife working under a doctor's supervision. I had a midwife with my second child and it was a wonderful experience. There were four midwives working under a doctor and before my due date I had an opportunity to meet them all and get to know them. I was much more in control of the situation and the midwife was not in a big hurry and much more in touch with me and the baby then the doctor was. This time I have moved so i'll have to see if I can still make the midwife hospital happen. You should first check with the hospital you will be delivering at and see if they have midwives on staff. Also, give birth at hospital so if complications arise you are in the right place to have it handled and a doctor is nearby.