Try going to a doctor that you need to see that is out of network because Central States does not have a specialist in the area of medicine that you need.. I had to pay the entire bill for services that they refused to pay, to the tune of 3700.00, and the prescription that doctor gave me was also denied.. I had my kids 24years ago so I can not speak of what they will cover now for child birth.. I was recently admitted to the ER for 4 hours and my copay was 200.00 and then I got the bill after central states paid the reduced amount,and I had to pay 20% of the full bill.. that 20% was over 450.00 that I also had to pay.. I do believe you when you state how much your out of pocket expenses will be for your pregnant wife, but how am I paying 650.00 for being in the ER for 4 hours and you are paying 700 for childbirth... Personally, any proposed contract that forces us to pay for this SH***Y insurance , will get a NO vote from me.... also I agree Blame Canada! and Terrance & Phillip