I'm new to HB and double clicked as I was going to read responses and managed to delete my thread prior to reading any of the responses. Rookie mistake! Sorry if this is redundant!

Anyways to re-ask my question: DH and I are trying to figure out if when delivering a LO, do mom and baby's bills both go towards mom's deductible? Or do mom's bills go to mom's deductible and baby's go to a separate deductible?

Health insurance is no fun and we're trying to figure which tier level is best for us with LO #1 due in April. The health insurance companies have been incredibly unhelpful always defaulting to "silver is our most popular." Meh.

Thanks again!