Insurance Frustration

So we're planning a homebirth this winter with the new baby. That means we have to go with out of network providers...and that's fine. By law, in Florida any insurance company that provides maternity benefits must cover homebirths. So we looked at that, looked at the numbers and decided we could afford our expected contribution...insurance is supposed to pay 70%, leaving us with 30% of the midwife's fees plus assorted other expenses like a birth tub if we want one.

A few weeks go, I got a number back from the midwife for our estimated contribution. That number was almost $1000 more than what 30% of the midwife's total fees would be. In other words, nearly 50% instead of 30%. So something doesn't sound right here, and I need to figure out why and where and how to correct it.

I just don't know where to start yet.