With my first LO, I was with Kaiser and they have a different system. We paid one flat fee for all prenatal care and post natal care and then a one time copay for all hospital fees. The one time copay was high (3K) but compared to the actual bill from the hospital (csection, anesthesia, was in hospital for 5 days), it was less than 10%. I also had no choice where to deliver and who my doctor was.

I'm currently pregnant with LO2 and with a different insurance (Blue Cross) and am confused at how it works. I've been seeing a RE and officially graduated last week. I did set up an appt with a local OB/GYN practice that a lot of my friends used. I went there once for a pap smear and annual checkup and thought the doctor and nurse were pleasant enough. They have multiple doctors and two other locations.

Questions
1)I've heard they only deliver at one hospital (where I delivered my first LO) but would like to go somewhere closer (we've moved since then). Do I have to go to that hospital only?
2)How do payments work with prenatal care?
3)What are other questions I should ask about the cost behind pregnancy and birth?