Depending on your state, some offer free maternity coverage for pregnant un(der)insured women regardless of income or assets. In CA you can get coverage even with a substantial income. We make about $70k and they covered everything. I'm high risk as well and required some specialist visits and extra testing/monitoring which really could add up.
I actually looked into our local birth center but was too high risk. :-(
Kristi, Mommy to Josh & Nick (identical twins 6-97) Nathen (3-02), Joey (2-04), Jacob (11-05) & Aaron (12-11) I sell Tupperware!
"A person's a person, no matter how small..." Dr Seuss