Okay, so i am pregnant and trying to figure out how much money the birth is going to cost. I called the benefits information number, but it confused me even more. So, my inpatient hospital services are covered 20% up to maximum out of pocket: 500$ per member or 1,000$ per family. (Inpatient hospital services includes if i need a c-section, epidural, etc.) So 500$ will cover MY hospital services, and 1,000$ will cover mine AND the baby's services? So she said that i would have to add the baby to my policy AFTER the baby is born. If the baby isnt added until after the birth, then is the baby even covered? (She said something like, you arent billed immediately and it takes a month, so i think baby should be covered?) What if i DO NOT add the baby to my insurance? It is 357$/month extra to add baby to my insurance policy, and it should only be an extra 250$/month to add him/her to my fiance's policy. So if we were to add the baby to my fiance's policy, does that mean we would have to pay out of pocket for all of the baby's hospital services? Thank you so much! 500$ is MY out of pocket, my insurance covers 80% up to 500$ (or 1,000$ with baby) then covers 100% after that 500 or 1000 maximum is reached.
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