I am due my baby the end of next month. When i found out i was pregnant i had just switched jobs so i had very little choice but to elect COBRA in order to be covered. Last month i found out that my former employer had not been processing my claims correctly and my insurance was canceled on me. I was paying in full every month but the payments were not being sent on to the insurance company - even though my checks were being cashed. This issue was finally resloved and my insurance was reinstated. Today i recieved a letter in the mail saying that they have switched insurance providers effecive August 1st, The letter was dated August 20th.
Firstly - My cobra payment for august was cashed at the start of the month - my employer never notified the cobra agents so they processed my payments and sent it on to the company as per usual, but according to the letter i got today our insurance had switched by then.
Secondly - and more importantly - i have gone from a 0 deductible to a $4000 deductible - with only 6 weeks left in my pregnancy. Can the new insurance company deny me maternity coverage via a waiting period?? would it be cheaper to see if i can take out a private policy with the current insurance company to at least get me through the birth and if so would they have a waiting period for maternity benefits or would the fact that I have been insured by them (and still technically am seeing as payment was made) count against any waiting period clause they may have.

Any advice would be appricated.