Verified answer

The insurance company is the one who can tell you whether you need to pay a copay for the prenatal visits and what your total deductible is. Your clinic should be telling you when you are expected to pay those copays (if you even have to pay them under your plan, most plans have no copays for prenatal care / routine visits). If you do have to pay copays, and if your clinic says you are only expected to pay one up front, then that's what you should expect. When you deliver, if your deductible is calculated and you will be billed within the month after you deliver. If something still doesn't make sense, call the clinic back and clarify. If you don't think you should be paying copays under your insurance, tell them to confirm and call your insurance company again to clarify.

Not only is each insurance company different, but each plan within that company is different. There is no way to tell you what your situation could be.

Generally, there is a spreadsheet-like form that is accessible through the insurance company or your company's HR department that lists every possible situation (ER visits, hospital stays, maternity care, primary office visits, specialist visits...etc.) and the co-pays/details for that situation.

With my plan I have a co-pay for the first dr's visit then no more for the visits. I do have a deductible which I must pay towards the hospital stay of $400 but after that the hospital is covered in full. The plan I had when I first got pregnant I had a $5000 deductible that needed to be paid out of pocket before they would even look at paying a portion of any bill! So happy I got a job with a better plan!!

I would call your insurance company again and see if you can talk to someone who will explain things clearly to you. If you don't get a straight answer ask for a supervisor or call back and try with a new representative.

Usually you start seeing the doctor at 8-12 weeks. Then you go once per month until 32 weeks where you will then see the doctor every 2 weeks and then 36 weeks on you'll see your doctor at least once a week. Office visits vary depending on the time the docotor spends with you, the level of service provided (most visits will be short, uncomplicated visits) and where you live (this is where the biggest variation comes in) and also the type of practioner you will be seeing (An OB/GYN may charge more per office visit than a Family Practioner). My office visits usually cost about $50-100/visit, this doesn't include labs or ultrasound charges. Labs run about $100-$200 each visit and an ultrasound runs about $1000. The average hospital stay is about $10,000/night plus supplies/medications used. Hope this helps give you an idea! Thnak goodness we have good insurance, we have a deductible and then they pick up 90% of everything.

well..you do have copays unless your covered at 100% for in-network drs...it depends on your coverage..but im preggers and im paying copays...i pay $15 everytime i go to the drs and when the big day comes i pay 150 copay( for the hospital copay) as well as the 20% of the hospital bills...the only way you wont have to pay a copay is if your medicad(government insrance for preggers) ..or if your insurance covers everything 100%...which basicly u got to be rich to get that kind of insurance...this is also from ohio..it might be different in other states...but bcbs is a very good insurance and im almost positive that you will have to pay a dr. vist copay (it will say on your card the amount)

With all three of my pregnancies I wasn't charged a dime until after delivery.

with mine, i paid $20 at my first appointment then nothing till after my poetpartum checkup. didnt have to pay at my pp checkup either because it wasw a follow up from my pregnancy.