Not sure if this is the right section to post, but I would like to solicit the advice of the community. My wife is pregnant with baby #3 due in October of this year.
Our first two children were born while I had a regular PPO health insurance plan. Recently I have switched to the HDHP with an HSA. This means that instead of copays we pay standard rates with negotiated discounts by the insurance company I believe. Now my out of pocket maximum is 5,000 I believe and the in-network deductible is either 2,500 or 3,000 with 80:20 coinsurance kicking in after that up to the out of pocket maximum. I think this is how it all works it is very confusing.
I guess my question is, is it possible to further negotiate with the hospital or doctors office regarding cost or are you tied into what the insurance company has already negotiated? Anyone have experience with this?