I think you should go with medicaid so that you don't burden yourself with extra expenses. I have insurance through my job and I have paid a lot out of pocket. Plus by the 28th wk I have to have a credit of 560 on my account for my doc to deliver the baby in March. we started a savings for baby stuff because we know waiting to the lsat minute will break us. I work two jobs as it is and I'm exhausted. I know once my son if old enough for public school it won't be such a burden but until then I have to pay $100 a wk for his school. So if it was me I would definitely save money by using a doc with medicaid. I'm sure there are some good docs accepting that insurance in your area.
I had the same issue was using medical dats wat its calld here n cali. N everytnhng was free but the dr. n service wer horrible n they wer diagnosing me as high risk pregnancy. I got a private ins. N tht dr. didnt except medical so I payed but it was the best move I did I trust him hes smarter n very precise. Im also not high risk n hvn a norml pregnancy n delivery. I didnt care how much it.cost I cared how good a service my baby was getting.
I have private insurance and can get medicaid to cover the hospital cost, but it the $1800 that the dr charges, if I decided to go with her instead of an medicaid dr. My husband is a school teacher, so we both have insurance but we still have to cover $2000 for deductible and $3000 out of pocket expense per person before the insurance will cover. We just bought a new house and am still having a hard time getting used to the new house payments, plus a new car for hubby for work.
Unfortunately, it will get very costly if you're going to a doctor without insurance, you never know what's going to happen during pregnancy, labor and delivery. I would find a doctor that accepts your insurance unless you can get a form of insurance your current doctor accepts, you can find a doctor you love and trust still, it just will be helpful financially to find a new one.
If you can't afford it I say go with Medicaid.. have your Dr referral you to another Dr.. babys are expensive save ever penny you can