I've been researching the same issue (insurance, but no maternity benefit). It looks like you are in Chicago too. According to Illinois state law, insurance, with or w/o maternity benefit, MUST COVER COMPLICATIONS OF PREGNANCY. It almost seems like it would be a waste of money to get the benefit. For me it would be an extra $4000 a year. Take a look at your plan. After I found out about the law, I looked at mine and discovered that it is all written right there. It will cover medically necessary c-sections, which was our main concern. Since we have a family plan, a newborn would be covered immediately. I've been meaning to post about this too. Here is a link: http://www.ins.state.il.us/healthInsurance/matern.htm
there is a number to call--I would call it!
Also, when I was pregnant, one of the midwives I was seeing was charging 3500 for prenatal and birth. The doctor group people are talking about is Homefirst Health services. They have a website. I've heard they're really expensive. Do a search on MDC. I think there are lots of discussions about them. Good luck! I'm getting ready to do the same as you.