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Expectant and Postpartum Moms
Reply to "Federal Employees Health Insurance - which has the best maternity coverage?"
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[quote=Anonymous]NP here and I really appreciate all the insight into BCBS standard vs. basic. We currently have standard, but I am seriously thinking we should switch to basic. DC1 was born under standard and, if I recall correctly, the only out of pocket expense was a payment towards our deductible when DC needed to be aspirated right after birth. (Baby considered own patient at that point, not part of maternity/delivery.) It's my understanding that with Basic, you MUST use an in-network provider to be covered. I don't see that as a problem day to day, but how does that work with delivery. If I deliver at Fair Oaks Hospital, which is in-network/preferred, can I assume all the doctors practicing at the hospital (anesthesiologist, neonatal team, etc) are all in-network as well? I couldn't be surprised by a bill for a delivery/post-delivery check up because the on-call doctor isn't preferred, right??[/quote]
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