Ok So I'm sure I'll have to call my insurance company to get a definite answer but I was just curious if any of you other moms due in January have thought about this either! Do we have to pay our deductible all over again in January for our delivery? It sounds like an obvious answer, I know. But I'm hoping there is some sort of loophole! It seems pretty crumby that we have to pay our deductible this year and then all over again in January when we give birth 😕 ??? !!!!