We have Blue Shield of Ca (HMO) and I've absolutely loved it. So far, the bills we have received from my hospital stay and my son's NICU time have been over $100,000 and we have only had to pay $164.70. Unfortunately, my husband's employer is changing as of 1/1/04 so, we'll then be with PacifiCare. Thankful to have it though as we would like another baby as well.
Is it possible that they would cover you for everything excluding pregnancy? If so, maybe you could apply for your state's program to cover the pregnancy related expenses. Also, is your husband a member of any association through his line of work? For example, if he is a contractor, is he a member of a local or national contractor's association? I know many times they will have group insurance plans you can join and that mught be better than getting individual healthcare as my understanding is that you cannot be denied for a pre-existing condition with group ins.
Good luck and let us know what you find out!
Zachary James, 7/22/03-7/27/03, born at 26 weeks due to severe pe