Maternity care is expensive

You’d be surprised what assistance you can get when pregnant. Pregnancy changes the income eligibility atleast in my state.

Also if you want to do it at a hospital you can call and ask them how much it is to self pay and a lot of thw times the care, hospital stay, and birthing are at a massive discount versus going through insurance

Typically, at least in the US medicaid will cover you the entirety of your pregnancy and you and the baby will continue to have medicaid until their first birthday

Maybe look for income based maternity clinic. Also look at your local hospitals and go ahead and apply for financial assistance for the year. They may do sliding scale or even cut down your medical bill by 80%. I know somone who bill for birth was 30,000 and they paid 800 due to applying. That was with similar insurance number as yours.

It’s been a long time ago but when I was pregnant with my first 17yrs ago & my ex husband had insurance through WM for both of us, a woman he worked with told him they qualified for supplemental insurance through the state bc the insurance they had was so lacking in the women’s health, she wasn’t wrong, I’d pay $20 deductible to see any other doctor/specialist but $2-300 to see my OB/GYN. I was 7 months when I decided it was worth a try to apply & didn’t have to pay for anything else except a couple Rx, $100 of a birthing class & $100 for an extra US, bc I had already paid $2k OOP, yeah they adjusted for the entire pregnancy, it saved me like $20k. We barely even qualified for WIC, which is a way higher income level than anything else, we deff didn’t qualify for snap or healthcare, we both worked decent-ish lower middle class jobs, had a mortgage, had 2 credit cards w/$50k+ limits, not that maxed wouldn’t=bankruptcy, but still, we qualified & didn’t go into medical debt.

Also inquire of your local neighbors on where or what to do using this app! They will give u advice on whats available locally

https://nextdoor.com/!FF3HWL