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hi frances, depending on where you live, what state you live in, you can see about receiving state aid, like medicare or medicaid. I am self employed too and don't have maternity insurance either. It depends on if you fall under their "low income" requirements, they pay for 100%. I am from washington and will be applying for their medicare maternity program, which actually provides good care at a great hospital. my sister in law did the same thing and she was covered 100%. So just check with your state's income requirements, perhaps they have a similar program...

Tracie, thank you so much for the advice. I am in Georgia and my insurance co has very strict policies on maternity, high monthly rates and 12 month waiting period...oops! :) I guess I will check in to Medicare. I don't know that I will fall under the low income...I guess I will have to check and see. Thanks again!