Have you tried to go to RAMQ office in down town? I faced a similar situation like you last year being pregnant and still not having my PR, they were very helpful and gave me some useful advise. I am not mistaken (but please do go there and check) if you have applied and you already received your CSQ (which I think at this stage you have not, I assumed??) You can actually be covered by the RAMQ for your pregnancy. If you have not received your CSQ but you have your AOR, I remembered they also gave me some way out but you have to come there and show them the letter. I also would advise you to go there together with your spouse/sponsor. Let me know how it goes. If it does not work out, I can give you some tips how to minimize your cost. In my case, I was not eligible to be covered by RAMQ at the end. But we managed to get some works around.