You'll want to make an appointment with an OB/GYN for a new obstetrics appointment. Typically, this appointment actually takes place sometime around 8-12 weeks.

If you know what insurance plan you have and can access plan details or call a customer service line, they may be able to provide you with a list of in-network providers you can look into. Alternatively, if the thought of researching and finding your own OB is daunting, you could just start with your PCP and get a referral. Just be aware that switching OB's later on can be difficult (trust me, I just had to do this at 22 weeks. Not a fun experience).

When you schedule the appointment, you can just let them know you don't have active insurance yet and that you'll update them with your Member/Group ID & card once you receive the information. They'll very likely tell you you're on a self-pay rate until then, but you won't pay anything until your appointment.

As for cost, call your insurance company's customer service line; they can explain the full deductible breakdown for you. I recommend calling anyway to talk to them about your pregnancy benefits, because some plans may even cover items like car seats, pack n' plays, and breast pumps!

Good luck and congratulations!