Most insurance companies pay a "global" price for pregnacies... which means they get a package price for all prenatal, delivery service & your post partum visit. It doesn't matter if you deliver at 37 weeks or 42 weeks - they get the same price... now if a doctor other then your OB delivers, they do get paid to deliver - and your OB gets a lowered rate due to the fact that he/she did not complete in intire global care.
I do feel that my OB has my best interest at heart... he has delivered 5 kids for me and is caring for me with my current one. I am at 24 weeks and have seen a specialist 2 times now due to a postpartum blood clot with my last, I am on daily blood thinner injection which will change at 36 weeks due to interreactions that may accure during delivery if I'm still on my current stuff. I was even sent for a special ultrasound to watch the blood flow between me and the baby and to check the area I had my last clot to make sure I am not having any issues.
If you don't feel like you doc has your best interest at heart, maybe you should not return to them after this delivery... find a new doc. But delivery after 38 weeks is always healthier on a baby, since it is then considered full term and it's lungs are better developed. I have been induced with 3 & they were all after 38 week, most of them were closer to 39 weeks... but I was also induced for fear I wouldn't make it to the hospital if my water brakes since I deliver fast and the ride to the hospital will take us over an hour because of dropping the kids off somewhere. Plus, with my in-laws schedule, they will only watch them Fri-Sun... so we have to kinda work delivery into that time, or we my not have anyone to watch the kids.
I wish you luck - if you still are upset about everything... talk to your OB, it might help.