OK, I take the swipe back, Jivan Yatri. I jsut meant to poke some fun at your cost. Here is what you need to do then. I helped a DV winner last year the same way. Find a family health center (FHS) or community health center for regular check up of your wife before she gets the medicaid or something like that. Those centers charge you a sliding fee based on your income. If your income is really low, you will have to pay $12.00 per visit (which is no more than most insurance co-pays, see the good fortune of having low income!). They will also run some tests for free or at significantly low cost. Plus, buy medicines--if need be--at their own or their recommended place and it will be dirt cheap. For the delivery and all the rest, community or public university hospitals will be the best place. They will charge DHS or arrange from charities to cover the bills--again if you have low income with no insurance. Never go to private hospitals, they will charge you fully and send you to collection agency if you don't pay. That way, you can have your baby easily. Plus once the baby is born, s/he will get medicaid if you still have no good income. Let me know if you have any problems. Best of luck. Uhi, lonely1