I had the same problem I have Blue Shield and Aetna. The Aetna is through my mom and the Blue Shield is something I pay monthly for. Just call the insurance company and talk to someone about it. I am covered for prenatal appointments under the Aetna but nothing else like not testing or ultrasounds. If you call and explain your situation they can help you out a lot.
How come your pregnancy isn't covered by united health care? That's what my insurance is and it is amazing!.. I apologize if this is too personal. :)
No because your midwife will more then likely send you to a obgyn