Definitely talk to social services. Pregnant women often have higher income thresholds and the baby could count as another family member in determining coverage. :flowerforyou:

Have you thought about going to a midwife? It's much less expensive in most cases and more personalized care. Just a thought.

I'm in the same boat with you..... I don't have insurance and don't qualify for state assistance like wic, mecicade, or any type of free medical. But fortunately I'm Native American so I have Indian health insurance. But it's not the best if care. I would suggest you hit your local dshs building and see what's available. Sometime there's a reduced program (you still have to pay, but it's not the full amount).

Hey there! We all get in situations like this from time to time where we can say, "Coulda, shoulda, woulda," but since none of us have time machines (I think), we just have to deal with what we've got. With what's already been suggested, hopefully you can find some solutions.

I did, however, want to second the suggestion about WIC, since their income caps tend to be higher than Medicaid's. Otherwise, it sounds like you're doing all you can to cut costs.

As far as BCBS, I live in SC and have BCBS PPO through our office (my husband and I have our own office, and he and I are the only insureds with our son as a dependent on mine - we couldn't all be on the same policy, or we'd have to do an individual plan - we already pay through the nose for our insurance, and an individual plan was worse - and none had maternity coverage, so we had no choice but to go as a small business and on separate policies). The nice thing is that all of my OB visits are covered with no co-pay, as are all routine pediatric visits. Our deductible is high ($5200 in-network), which really sucks, though. My son had to go to the ER once, and it cost me almost $1000 out of pocket for a doctor who literally asked me what I wanted her to do to treat my child and what amounted to half a tube of Krazy Glue (not kidding), plus four hours of our day.

When I was in law school and had almost no money (not that I'm rolling in money now, trust me!), I was a student member of the American Bar Association, which offered super cheap insurance coverage to its members. I remember paying something like $250 or $300/quarter, and it covered preventative care and gave prescription discounts. I think it even covered catastrophic, so if I'd, say, broken my leg, I wouldn't be SOL. If you are a member of any organizations (fraternities/sororities, trade groups, even AAA), you may want to see if they have a cheap plan that will cover you.

Keep in mind, though, that since you are already pregnant, insurance companies may not be required (and may not agree to) cover your prenatal care. I'm not sure how that's all changed with the Affordable Care Act (health care law is not my field), but definitely check on that before you start paying anyone any premiums.

Best wishes, and congratulations!