I have an obgyn I love, he's a good family friend, yada yada.
I just found out I'm pregnant (!!) and our maternity benefits won't be valid because we are not out of the waiting period yet (boo). We don't qualify for any kind of assistance, so I'm out of options. We're much better off financially than we were with our first, so it's not going to be as difficult to pay, but I'd like to save where I can!
So. What do I do? Do I just ask my doctor? Should I talk to billing? What kind of angle should I take - "If I pay it up front, can I have a 20% discount"? Any other ideas?