Hi, and welcome to MDC. In many, many states pregnant women are insured because of most state's dedication to insuring their infants and children. I recommend contacting some aid offices and, even if you are declined, appeal. In my state, for instance, there are many layers of state insurance.
I would also try Planned Parenthood. I have found them to be a wonderful resource for well woman care.
Also, I noticed you apologized for your English. If you are an immigrant, there are likely services specifically targeted to helping you navigate the system. I would start there if I were you.
Another thought is to contact something like Catholic charities. It's not my thing, but you may find some support there (I have NO experience with that -- just trying to give you as many ideas as possible).
You do not need to see a physician - you can go directly to a hospital birth midwife, an OB, or a homebirth midwife. Homebirth, if you are inclined in that way, can be significantly less expensive than hospital birth.