I actually had the same thought when I got pregnant with my first. I was going to have maternity coverage when I was about 4 months pregnant, so I thought I'd just have to pay for a few doctor visits. Well, I ended up having a miscarriage - 5 ultrasounds at $700 each plus doctor visits ended up being a lot more than expected! The ultrasounds actually were all needed - believe me, I tried to avoid expenses as much as possible.

Obviously, I hope something similar wouldn't happen to you, but I learned that it's hard to predict what will happen with a pregnancy!

My doctor's office charges $2,800 for all services for an uncomplicated vaginal delivery. More for a c-section. I find it odd that your doctor's office won't tell you. Or, maybe my doctor's office is abnormal in that they have a flat rate for an uncomplicated vaginal delivery? I don't know.

ETA: Oh, the $2,800 did not include blood work and ultrasounds.