Hiya,
I am actually 38 and expecting my first child right now. Because I do not have any serious health problems I am not being treated differently from any other expectant mother, I've been told my age simply does not matter unless there are other health problems to worry about (like diabetes or heart problems). It's interesting that other people have been offered additional tests, I have not. I was even told, after my 12 week nuchal scan came back normal, that I could NOT have amnio on the NHS. It would cost 500 pounds to have it done privately so I probably will not have it, which does make me a bit nervous.
I'm in London. I had a 12 week scan, where they do the nuchal test for Downs, and I will have a 20 week scan. There are no more scans or tests after that (not sure how that compares to the US?) I've seen a midwife once so far (at 15 weeks), will see her again at 22 weeks, and after that I'm not sure (I think every eight weeks?). I don't get to see a ob/gyn unless there is some serious problem.
It is a really interesting cultural difference, I think. I understand in the US (oh right, I am American) anyone over 35 is treated as high-risk and you get more monitoring and tests. I was in France when I found out I was pregnant, and the doctor I saw there said they treat over-35s as "precious pregnancies", again with a lot more monitoring and tests. So I find it interesting that it's not like that here. I probably would not find it disconcerting, because I generally like a low-key approach, except I wonder, why would they give you so much more attention in other countries, if there wasn't some reason?
Basically, I am trying not to worry about it, but sometimes I do get nervous. Like, there is no scan at all between 22 weeks and delivery? I have told everyone I have a history of large fibroids, which can cause problems at delivery (like bleeding to death) if they are in the wrong location; my midwife said if they would be a problem, they would be able to feel them manually without a scan. I really hope this is true.
I would actually appreciate any advice anyone has on how to keep from worrying! It's just kind of hard to hear for so many years how much riskier it is to have a baby at this age, and then find yourself getting a lot less prenatal care than seems normal in other locations. (It doesn't help that my GP is wretched, when i went for my initial appointment we spent 10 minutes filling out forms, and then as I started asking her about some worrying symptoms (like pain and bleeding) she told me our time was up and I had to leave her office!) And not having amnio worries me. On the plus side, my hospital is one of the best in the UK, so I'm not quite as worried about the actual delivery.
For the OP, I guess it would depend on where in the UK you would be, what they offer people, and also whether you have any health issues that might make a difference.
I think you would have to check the private insurance carefully because a lot of them don't cover pregnancy, or would only cover certain things.
On the plus side -- the great thing about having a baby here is you simply don't have to worry about insurance! Don't have to worry about what will happen if you lose your job, or pay deductibles and all that. It is a big, big relief. And it sounds like there's a fair amount of support after delivery, and much better maternity pay and benefits. So overall, there are probably a lot of tradeoffs and it's best to look at the whole picture?