Qualifying for medicaid is EASY if you have very low income, are a US citizen, or have no maternity coverage.
yes, an uncomplicated hospital delivery and prenatal care is about $10000. When i had gestational diabetes with my first it was about a $30,000 bill for the extra prenatal care and delivery, even though it was uncomplicated and I followed my prescribed diet, medications and injections religiously. There is no way that I could have afforded that out-of pocket. I was on WY medicaid (and yes during my first pregnancy I was working full-time, as was my husband.) I chose not to take WIC, though I qualified for that too.
My second was substantially less- about $6000, but I had no gestational diabetes. I also had no epidural with either birth, so that would have been more.
In WY, you have to have a hospital birth, as being a home "traditional" midwife is not legal here. I guess you could deliver your baby at home alone... but I wouldn't recommend it!
Call your local public health dept or department of family services. They can help show you your options (here we have medicaid AND programs for higher income families without insurance,call "best beginnings") Also, if there are midwifes around call them for quotes. Know that in SOME states, if you get medicaid you will have to select an approved provider on their list.
Whatever you do, don't wait. The sooner you get prenatal care, the less complications you'll have, and the less it will cost. Oh- and grab some prenatal vitamins next time you go to the store!
PS- if we had a birthing center here I would SO do it. Our hospital had a large jacuzzi tub, and I got to use it with my last baby! Unfortunately they don't "allow" water births... but I am telling you I was about have tempted to just plain refuse to get out of the tub it was so nice and relaxing! Of course, I did give in and go back into the bed for the pushing... but that was SO nice!