The cost of prenatal care has many factors. One factor is health insurance and if there are maternity benefits to cover the prenatal care. Then the cost is whatever your benefits decide. If no health insurance is available, some physicians will offer a self pay maternity charge and give a self pay discount of 20 to 40 percent, if the patient makes payments during the care. The physician charges usually start at $3100.00 for a normal pregnancy, but then the price increases for any little problem.