Hopefully one of you experienced moms can help me.

My insurance plan has for a single person:

Deductible: 3,000

Out of Pocket Max: 6,000

Coinsurance: 0% after deductible

Once i give birth i will hit my $3,000 deductible. My question is since I plan on adding my baby to my health insurance should I think of my deductible as the family price ($6,000) and expect a $6,000 hospital bill or still expect a $3,000 bill for all services and then just have additional costs once the baby starts visiting the doctor.

They might equal out the same thing. I am honestly quite confused.

Any help will be great.

Thanks.