My gf is due in November. Unfortunately, she can't get on my employer's pretty sweet healthcare plan, but she's got decent coverage through her own job.
Is there a way for us to know what our out-of-pocket expenses will be for all of the major procedures (regular childbirth, c-section, etc.)? In the past, I've gotten pre-authorizations so I have a quote of what a doctors visit will cost me. Having a baby is such a high-stakes event, though, and I've heard of emergency procedures costing tens of thousands of dollars. I'd hate to start this new adventure under a mountain of medical bills, so is there anything we can do to get a "quote", for lack of a better term?
Also, are there any options for using my insurance to defray the costs? Or is it better to just meet her deductible and then enjoy the coverage? (I know a lot depends on the specifics of our plans, but I'm just looking for general advice for now.) Thanks!
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