Where do you live? I've never had a bad experience with Kaiser in northern CA. Both of my children cost me $250 total for their entire pre-natal care and birth, all preventative care is free of co-pays, any time I call for an appointment there are multiple slots that day or in the next 3, prescriptions are filled in the in-clinic pharmacy or mailed to you if you prefer, consultancy can happen by phone, e-mail or in person... it seems way better than any other insurance I've had.