I need some support...

[misspriss]

What a pickle to be stuck in! The U.S. is so behind the 8Ball compared to the rest of the developed world when it comes to healthcare! I ran into similar problems when I moved from Canada! It sounds like you're working through it all, though! I know you only have 13 or so weeks left, but might your midwife be willing to take payments that carry through after the birth? I know our MW here is willing to do that, perhaps it's an option for you. It's always a little easier to put out a couple hundred a month or every other week, then to sign a $3000 cheque!

Well, she is willing to take what I think I will owe her after insurance, and then if the insurance doesn't come through pay the rest later, which is about as good as it gets. I want to have the money on hand though in case the insurance doesn't work out.

Yes, the healthcare system is a bit below par here. They tried to "reform" it, but so far it hasn't been much improved.