Midwives vs obgyn
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If it’s a preexisting rule then insurance may not budge, but it’s worth calling and asking! I live in CA so it is state and federally protected here, but the federal law side should help you if they can do it
Some encouragement for if you do end up needing to switch over to the midwifery- I love them sooo much more! In my last pregnancy, all of my prenatal appointments up until 35w were handled by OBs. When the time came to deliver I had a whole team of midwives. They were so much more focused on my overall well-being and were so much more encouraging when it came to reminding me that my body was made for this. I assumed they were all just like that because they were working the L&D floor, but nope! At this new office I’ve met with 2 OBs and 2 midwives: the OBs are so quick to be like “you’re fine. Call if you need anything. Bye” while the midwives have been asking questions about my mental health, my birth plan, talking about ways I can start prepping my body for labor, etc. I love love love it. I know switching so late in pregnancy is intimidating, but if you do, keep your head up! Sometimes these things happen for our own good ❤️
If your OBs are covered under insurance at the moment call your insurance and ask for a continuance of care. My insurance is changing coverage for the new year but since I am past 20 weeks of pregnancy they are federally required to cover my doctors for delivery, and anything myself or baby needs for a few months after