Just wanted to put my two cents in for Nativiti. I've had all 3 of my children there - water births - and wouldn't have it any other way. Our insurance covered NOTHING, but it was worth it to us to have the opportunity to have our babies in a loving and supportive environment. Melanie (the owner and midwife) is incredible and Katherine (the other midwife) is great, too. I've also assisted my friend's two births and have 4 other friends who all birthed there and LOVED it.
If you really feel strongly about Nativiti, I would suggest calling and talking with Laurie. If anyone can find a way to make it happen with your insurance, it's her!! She's amazing that way.
Good luck to you in your search and happy birthing!!
mom to Kate (6), Ethan (4), and Karis (3)