My wife and I are on the hook for the first $5,000 per year, and the insurance will pick up 100% of the costs after that.
Sounds like you have a near-identical plan to the one my wife and I have. Don't bank on the insurance company doing what they say they will, at least not without a fight. Just to throw out a random example, in the few weeks after our daughter was born we received a dozen or so letters from the insurance company all telling us the company didn't think some aspect of the childbirth care was "necessary", and that they didn't want to pay for it. Quite a shocker for us, as the birth was relatively routine, and every intervention was something the medical staff thought was necessary. In the end, after hours of phone calls, we got them to pay for most of it, but definitely not 100% of the after-deductible amount.
Sounds like you have a near-identical plan to the one my wife and I have. Don't bank on the insurance company doing what they say they will, at least not without a fight. Just to throw out a random example, in the few weeks after our daughter was born we received a dozen or so letters from the insurance company all telling us the company didn't think some aspect of the childbirth care was "necessary", and that they didn't want to pay for it. Quite a shocker for us, as the birth was relatively routine, and every intervention was something the medical staff thought was necessary. In the end, after hours of phone calls, we got them to pay for most of it, but definitely not 100% of the after-deductible amount.