I buy individual insurance from BCBSNC (employer doesn't offer insurance) and my very expensive maternity coverage just started yesterday. (I'm not preg yet but am hoping some of you ladies might be able to give me some info). My midwife mentioned at my last visit that they don't like to deal with BCBS because they do global billing, so they are now an out of network provider.
What I'm wondering is, how does global billing work exactly? Does that mean I will have to pay for every visit up front and then hope that BCBS won't fight giving me reimbursement after the birth? I am trying to figure out how we are going to have a prayer of affording all of this (we don't qualify for gov't aid). I have an appointment with my midwife's office next week to discuss billing and all but I am so antsy to get more info now. If we have to pay everything up front, we'll go broke.
Anyone have experience with this (not just with BCBSNC, but global billing in general)?