I had this same experience. I got pregnant about 2 months before my insurance kicked in. I had absolutly no problems with my pregnancy even though I didn't go to the doctor until 2 1/2 months into my pregnancy. Of course wait to get pregnant if you can but if you choose not to, make sure to take you prenatal vitamins as soon as you start trying to concieve. I think Planned Parenthood would be fine for the first 1 or 2 visits. Call your new insurance carrier and ask them about it (if you dont want to give your name saying you are not a client but are thinking about using them). Just be careful, pregnany is expesive. The bill from my hospital to my insurance company was 16k!!! GOOD LUCK!