UPDATE: baby came this morning! NYE arrival is no longer an option 😊 Thanks all!

Good morning mamas! I have a csection scheduled Jan 8th, but got checked today and I’m 1cm and her head is super super low. Baby arriving earlier is on our brains. Has anyone checked with their insurance how it works if you’re in the hospital over the new year? We have a super high deductible and my husband is worried we will be on the hook for 2 (rest of 2020 then starts over 2021) if we end up in the hospital over the new year. I called once a few months back and they said that’s not the case...but curious if anyone else has checked into this?! TIA!

Ps. I know chances of that timing are slim 😊