Paying for OBGYN visits in KY

While seeing an OBGYN, I am currently paying with an HSA account towards my deductible after each visit. Before signing the contract for the run of the pregnancy, the secretary mentioned, that because they were an LLC and not directly tied to the hospital they could offer a better payment system that would bring my final total for all visit costs, up until birth, from almost $9,000 (out of pocket)down to about $2,000. The problem is, I have no idea what that system is. I don’t know if it’s strictly because of the fact that they are an LLC and that, if I were to transfer care to the hospital’s facilities, my out of pocket cost would rise to $9,000, or if they wanted me to change insurance to drop my out of pocket from $9,00 down to $2000. The name CNS was dropped at the beginning of the conversation, but I don’t remember any connections between it being mentioned and all the other information that was given. They all talked so fast, I had no idea what questions to follow up with T.T. I do know that another secretary mentioned trying to apply for Medicaid just for the heck of it, but I don’t think this is what the other secretary was talking about.

I did manage to get out without signing, because I wanted to parse all the info I’d been given and make a decision with my husband. I really didn’t want to make an ill informed decision on the fly, but I feel like I’m still missing info, that if I had just known what questions to ask, I’d have been able to make a decision there.

submitted by /u/Zestyclose-Candy-489
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