Re: Help me solve my dilemma--what would you do?
If it were me, I'd go with option #1. Should anything emergent happen, you'd be heading to the closest hospital anyway. I can't imagine having a 4 hour drive in labor (or a 4 hour drive home with a newborn...through a desert, no less!) the out-of-pocket costs would probably be similar once travel was figured in. Sorry it has to be so complicated for you, that must be frustrating!
Happy mama to my 4 handsome boys