Consider other maternity plans that are not true insurance. Because they are discount plans instead of insurance, pre-existing conditions do not matter so you can apply even when pregnant. The top plan specializing in maternity coverage is Maternity Advantage (http://www.maternityadvantage.com). Another source that offers broader coverages, but slightly smaller discounts for pregnancy can be found http://www.ameriplan.com. Another interesting concept is one in which the total bill for all members is equally divided so you help pay when others need it most and they help when you need it. The idea is that you end up paying far less than a traditional insurance plan.  This can be found here http://www.medi-share.org.

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