@ Hasie, what med aid are you on? I'm with discovery and had HUGE fights with them about this issue. They claim to cover home births - but what they actually mean is that they cover births at the discovery rate, so it lands up being a big discrepancy.
With my birth the midwife charged R5000, but the discovery midwife fee was only about R1000 (shortfall of R4000), then they paid in full for all the consumables which were charged extra according to their nappi codes but only after declining the payment at first (because they said it was more than the normal hospital rate - unfortunately for them I work in a hospital and asked for their price list to compare and there was a difference, but y midwife was charging LESS than the netcare rate)
They also dont pay for a doula (and in my case my midwife insists that you have a doula who is also a qualified midwife if you have a homebirth so that their are 2 nurses available in the event of complications....) which I knew about and they didnt pay the travel costs (which I knew about). All in all the total for my birth was R8900, of which discovery paid just over 3000.
I had so many arguments because had I had a hospital birth they would have paid the hospital for 3 day stay, consumables, a paed consult in addition to midwife fees and it would have doubled the bill. Luckily I never use my savings and discovery eventually paid the difference out of my MSA. Next time I think I may have a midwife birth, but at a hospital just so that I can make a dent in their profits....