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I did and it was a pain in the butt. Different experience, but I ended up paying for all the bloodwork at my first appointment, because it went towards my deductible, in Dec, then switched insurance in Jan and had to pay down the deductible again (which, now that I think about it, I would have had to do in Jan anyway). It was annoying but nothing I could really do about it.

I will have 3 insurances during this pregnancy. I aged off of my mom's insurance during the 8th week, and then got on my work's plan since they had to take me no matter what (pregnancy being a preexisting condition, and all).

The ACA kicks in in January, coinciding with our work insurance renewal deadline. I think we'll be dropping the work policy totally, so I'll have to see if DH is getting on his work insurance or if there is an individual plan under the ACA that will be cheaper (thankfully there are no more preexisting conditions starting in January).

@matador84: I'd contact your OB's office re: the $500 paid for already, and also check in with your ins. provider and his (particularly his if you have to have a reason for joining, such as loss of coverage for you or if they have particular enrollment periods). In my state, they have what's called "no gain, no loss," so if you pay $1500 out of pocket through July and then switch to another policy in August with a $2000 deductible, you get credit for what you've already paid and only need to pay in $500 more.

@matador84: No I spoke with the billing woman in our ob office. She was able to answer tons of questions. Usually even if they send the billing to a facility they have one person on site who handles the transfer of things and usually has tons of great information

@matador84: you can usually only make changes during open enrollment or for major life status change events- marriage, baby, and loss of benefits (being fired or quitting usually). I don't think him just having a new plan would be enough for you to drop yours but its worth checking.

@MamaG: I agree. If the $500 went to the OB directly, rather than to insurance as a deductible payment, it should still be on your "account" there. I'd call them up.

@matador84: I'd first check with your DH's policy to see about their enrollment window, changes like @Foodnerd81: mentioned, etc. Then, if you're eligible to switch over, talk to your policy provider/work/HR and determine what you have to do to drop that policy.

@anonysquire: It may be a total PITA, but maybe call up both insurances again and get confirmation about prenatal care. With the ACA, many policies have now been revised to cover prenatal/preventative care 100%, and even breast pumps (although you may have to fight with them re: electric pumps if you're WOH).