i spoke to my OB about this yesterday......
i will be 20 weeks on the 7th of jan.....

they said as long as im going in for a appt before the 1st of jan they can invoice me and i can pay before the 1st of jan.....
so im going in to see him for my 20 week appt at 19 weeks and then i can claim it....or so he tells me!!

if i cant claim it ill be out of pocket $3000 ish...