Cost of Pregnancy

I was talking to my new OB GYN, who fortunately has dealt with many high-risk pregnancies, including type 1 diabetics. She was telling me that the usual recommendation is for the patient to see/communicate with one of their team including endocrinologist, OB/GYN and “high risk doctor” once weekly during the 1st and 2nd trimesters then possibly twice or more weekly during the 3rd trimester. I was looking at my health insurance coverage and they quote on average $18,000-$25,000 on average out-of-pocket for a non-high-risk pregnancy and labor. Right now if I call my endo for a consultation I’m paying about $45-$65.
Is it just me or does this sound like a lot of money? This doesn’t even include all the other baby expenses, my diabetic supplies, etc.
Did any of you experienced moms save up before getting pregnant? Did you have to borrow money or anything?
I’m having second thoughts about moving to the US from Canada!