Hospital questions

Well I’m 31 weeks and still have never seen an obgyn even now in my area I’ve called and set up an appointment with a womans clinic where I think I’ll be seeing a obgyn but boy it’s over 300 For this visit plus more for each additional test they have to do on me.

I have no health insurance so I expected to be paying that much out of pocket but now I just wonder about labor and hospitals.

Will a hospital deny me the epidural in Florida without insurance ?

Do I just walk into the emergency room part of the hospital in labor or do I have to find the labor and delivery wing first? My hospital here is huge with different buildings for different parts

Do I need to call and get set up at the hospital when I get closer to my due date?

Will my the obgyn tell me what hospital to go to? These are things I’m so nervous about that I think about it daily.