One of my clients is about to have their second baby without the benefit of health insurance. Parents and older siblings have health insurance but they opted out of maternity coverage some time ago due to the exorbitant cost and restrictions on coverage.
With some guidance from their agent, that would be me, they had baby number two at an out of pocket cost that was comparable to the discounted fee's charged by par providers if they had maternity coverage.
They took what they learned the last time and found ways to save even more on baby #3 (which is due any day now).
Hopefully you will find this site, and the information they are willing to share, helpful.