Edited by Mama2mc - 5/31/11 at 11:05am
I could help you if it was California. I bill insurance companies for a living (home health agency) and I can tell you that regardless of condition, ie your pregnancy, in order to go outside of your area of coverage or provider network you'd need a referral from your primary care doc unless you're PPO. This isn't hard to do, just time consuming. They (docs, insurance companies) will insist you stay inside the network for obvious reasons. It saves the insurance co.'s a ton of money to work with providers they've already selected. You will have to be firm in saying you want an outside provider. Period. Is your insurance coverage thru an employer? Members have a little more leeway when it comes down to private pay subscribers or being insured thru your employer due to the current laws.
On another note, contact the Fruitland place and see what their cash patients are asked to pay. I chose a birthing center for the twins and had to actually switch coverage areas so I wouldn't have problems. It's worked out really well. It's a bit of a drive to see their ped but I have no complaints because the attention and service is 100x better.