Looking for anyone who has had a pregnancy or childbirth under the BCBS of Florida maternity rider and what exactly was covered and not covered! Getting an answer directly is nearly impossible - as "every case is different, we can't estimate costs for your care" (imagine high nasally voice over phone with customer service)...
We have the co-pay option where supposedly we pay $35 copay for our INITIAL prenatal visit ONLY and they are free (included) after that... and we'd pay $150/day copay for hospital admission for delivery, up to five days max. We're planning on using a birth center, but assume same rules would apply per day. Other than those two listed copays, I was hoping that all prenatal and delivery care particularly to my pregnancy (high risk or otherwise) would be covered completely, as I have no control over those outcomes... and that would be the whole point of insurance. Sorry for venting.. But then I heard rumors that only one ultrasound is considered "normal care" or "routine" and that we'd be paying for any additional, etc..
There is nothing specific in our benefits package. If anything, all sentences are intentionally vague or could be understood in multiple (contradictory) ways.
Any real life experience with true billing and level of care that was covered, not covered, expected, or appreciated?
Thanks so much!! Haven't been able to find this out anywhere else on the internet.