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M.M.
Both my husband and i are self-employed. I currently have Humana one with a maternity rider. Very expensive but I am glad I have it because I am 40 so they automatically put me in the high risk category.
I looked into Golden Rule which is the insurance that my husband has and I think they do the maternity riders.
Sometimes you can negotiate with doc. and hospital up front for discounts when paying on your own.
Don't know where you are located but if it is in the Austin area, you might give mike and teresa tangorra a call. I have worked with them before and found them very helpful and they explained things well.
Tangorrainsurance.com i think that is right.
Good luck!
M.