I am looking at birthing centers and the one I found, I immediately fell in love with but they are out of network. She said the total cost would be $3800 w/o insurance. If my out of network deductible is 1,000, would that be the only thing I would have to pay? I know sometimes after you pay the deductible it would be 80/20 for copay but would that count in this situation? I'm going to talk to the insurance lady tomorrow but just thought I would ask opinions until then

Thanks!