You have come to the right place! I have had two water births within the last 1.5 months!!! My first was with my baby girl Holly and then just about two weeks ago with a baby boy.
I strongly suggest water birth and having had two now, can't imagine how women have babies outside the water.
First of all, the pain management is wonderful. You cannot have meds or an epidural in the tub but honestly, the warm water keeps the pain at bay so you don't need them (or at least I didn't.)
I refuse to ever seen an OB because from what i have found, they are not "baby friendly" and don't deliver in ways that are ideal for babies. I do know that Dr. Lambert preformed his first water birth on CNN last year and he was surprised at how cool it was.
The water is so gentle to the baby that when they come out they don't even cry. I would be happy to share some pictures with you if you are curious about what the tub looks like and what an actual water birth involves. My husband was in the tub with me both times. There is nothing like it.
Finally, you mentioned midwives. If you google water birth and midwives in Atlanta, one name comes up first, Margaret Strickhouser with N. Point OB/GYN. She works with two other midwives, Robin and Kim. All of them are awesome and have led the way for water birth in Atlanta.
North Fulton Regional in Roswell is the only hospital at this time that offers water birth. And honestly, they only have a few tubs so you have to put "water birth" into your birth plan and make sure everyone knows to hold a room w/ a tub open for you in the event that you are on your way to the hospital and they only have one room w/a tub. They recently did this for me.
Insurance is not an issue w/ water birth. It is covered the same as a normal vaginal birth. I also suggest Marie Young as a doula (she is on this site under doulas.) She assisted us w/ this birth and was wonderful.
With my other birth I used Labor of Love but was not very happy w/ the lead doula over there. We decided not to use her again.
Please feel free to email me at ____@____.com I would love to share my experience with you.