my insurance told me that they cover 100% in my physician's office as long as she is in network. Now my confusion comes in with the deductibles. They said the delivery, or anything outside the physician's office has a $4,000 deductible and after that they cover 90%. After we have maxed $6,000 out of pocket they will pay anything.
Does the $4,000 deductible mean that in the year the baby will be delivered I will have to pay out of pocket $4,000 dollars before my insurance actually pays anything? Is that how thta works? Thanks.