I'm trying to find an insurance company that isn't outrageous on pricing that will cover maternal care. I don't work other than help my husband and my husband is self employed. I was looking around and I can't believe how much some of the insurance companies charge. How long is the usual wait before a insurance company will approve you before you can get maternal care if you're not pregnant yet? If I was to become pregnant before I got insurance do most hospitals give you a lowered price if you plan to make a payment plan? What is the typical price range for all the doctor visits, delivery (including c-section just incase), hospital care, and the after check ups for you and the baby? Are there any NY insurance companies that I should check out? My husband and me are to the point we feel ready to have kids even though we do have the nervous side about becoming new parents which I'm assuming is normal. We are getting older so we would like to start trying soon. I've gotten to the point that I'm getting strong feelings about wanting to be a mother. I've even been reading the What to Expect books and looking at the cost of baby supplies. I took a pregnancy test a few days ago from being late and I actually felt disappointed that it was negative. If I did become pregnant without insurance we would survive. My husband does have money saved. We are mostly worried about if something was to happen during delivery or the baby had problems if we didn't have the insurance to cover that.