<p>My doctor never dealt with insurance. We had to pay cash and claim later. I remember back then I had to pay 100% of his service by 5th or 6th month, and received my reimbursement after delivery (we made sure we had $8k cash). He was a very well known doctor in NYC at the Cornell hospital, and he taught there too. He did say that due to high cost of insurance fewer and fewer doctors want to provice OB services.</p>