My OB rocks. I seriously love him. He listens, he's compassionate, he is not at all arrogant, he let's you have a say, he has supported all my decisions and let me birth how I want. Yes he'll discuss it with me, but the end decision is mine. Sure he barracks for collingwood but we all have our downfalls!

My out if pocket is $3000 plus $400 hospital excess. That covers everything. But that's bc the hospital I go to have a deal with my PHI that you have no other expenses. So it will depend on your PHI and hospital.