I already decided to go with a different doctors than the one* I met with, one of the several reasons being that the wife-half of the team no longer accepts any insurance, and so she would have been covered at 30%, and since she's half the appointments and possibly delivery, this would have amounted to a LOT of money.
Well, I decided to double-check how much out-of-network is covered, and I was thinking about the wrong Apple plan (Apple has its own "special" plans through United, and it's large enough that it has its own customer service department, though this doesn't really mean jack). Our plan covers 0% for out-of-network, completely negating the point of having insurance when it comes to her. If she were to deliver, we'd be responsible for 100%!! What the hell is insurance for if it covers nada?!
* I met with the husband-half of the duo, which is why it's plural, then suddenly a one.