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We pay through the nose for our insurance (well actually DH's employer pays 70%), mostly because I knew I wanted more kids and wanted good coverage.
So we don't have a deductible = yay!
My copay for prenatal care is $30 = yay (maybe? not sure if I will have to pay this every visit or not, with our previous insurance I only had to pay for the first visit.)
and a 0% coinsurance for the hospital stay - does this mean it is covered 100% I am thinking it does since out of network would be 20% coinsurance, but I want to make sure I am getting this right...
Missing Our Angels gone too soon 6/5/10 (9wks) & 3/1/14 (9wks)
Chemical Pregnancy 5/31/15 Adam Michael 9/22/06 (c-section)~Nathan Joseph 9/4/08 (VBAC)~Lincoln Thomas 9/5/12 (VBAC)
Sounds like there isn't a copay but it may not be covered 100%. I would double check with your insurance company. I had great insurance with my duaghter but still ended up paying $800 after all was said and done. I didn't have a co-pay for my hospital stay either.
Lucky duck. That's how our plan was with my first baby...except, I didn't have to pay any copays. It was 100% covered. Then the employer changed insurance cos. and we got a crappier plan. This time I'm responsible for 10% coinsurance on everything...