I'm 33 weeks and thinking about switching providers. The problem is, I've already paid our OB contract! Has anyone done this, or had to get a refund on an OB contract? Would any of the money I paid toward our 30% NOT be refunded since I have seen this OB for this much of my pregnancy? My last birth was a home birth and I've decided to try to get in with a midwife in a hospital a little further away Bc my OB doesn't understand me at all. : /