DGirl,
I was at FPH and what happened to me was your worst case scenario in what they have told you. I was admitted under a single coverage ( and paid a singles excess). If the bub is requiring a pead..which she did I could claim her under medicare but not PHI( this also includes BT or any other tests they may perform if bubs isn't admitted to the hospital), then she was admitted to SCN on day 6 so I paid another excess which brought the Excess up to what you would pay for a "family". But after she was admitted all peads bills could be claimed through both MC and PHI. PHI doesn't pay that much it is only the difference between 80% to 100% of the scheduled fee. The nurse in the SCN told me that MBP was one of a few that let you come in and change the membership once bubs was born
Bec