No it isn't and the fact that you have to be past the SN it before you get the extra, it is worth paying for an extra Dr's appointment or so to get the extra $200 back!

I have online registration, it is so good as you can see it really quickly I am almost checking daily atm to see how we are tracking

There was no way OB's were going to drop their fees, I am just lucky that mine are so cheap in comparrison to others, and that my OB spreads her fees out so that we can get the best value