Long before have my second child I called the 800 line and reviewed my benefits online. Well to my surprise, after have an emergency c-section 3 plus stay at the hospital, I started to receive bills. These bills were not only for my, but my new born. You see the costumer services reps at United and my online benefits stated the mother and child were both covered under the mother as long as they discharged together, if baby stated, it would then assume its own identity, ocpays, and deductiable...HAHAHA!!! I had to pay my whole $4500.00 out off... read full review »