Our plan year is weird; it runs 7/1 through 6/30. I'm due in early August, so we just got the new paperwork for what our plan will cover starting 7/1/13.

Physician Services has been broken out into multiple sections now (last year it just said "Maternity OB visits"). It now has "Pre-Natal Maternity" (I can figure out what this one is) and "Maternity Delivery and Post-Partum Care". Under this section it states that I am covered the same as a specialist office visit for the initial visit only, and thereafter covered 100%.

There is a separate section further down under Hospital Care that has Inpatient Maternity Coverage at 10% my cost.

Nobody can seem to explain to me exactly what "Maternity Delivery" covers? I talked to the insurance company directly but they're not much help since the plan hasn't taken effect yet (she literally told me how I'd be covered if I got pregnant after 7/1. Uhm...that does NOT help me in my current situation!). I spoke to my benefits contact in HR and did not get a straight answer. Now I'm waiting to hear back from the insurance contact at my doctor's office.

I understand that there will be a bill from my doctor and a bill from the hospital for the delivery. Is the bill from my doctor covered under "Maternity Delivery" of "Physician Services"? Or, because it happens at a hospital, is it Inpatient Maternity (10% my cost)?

Rawr. Why must this be so frustrating! Any help is much appreciated.