My wife and I have had 3 kids (now 8,6 and 1), all 3 were C-sections with extended hospital stays and all 3 births were covered, in their entirety, including pre-birth obstetrician visits, my wife's follow-up visits and initial pediatric appointments for the kids with zero co-pays. Literally we paid nothing to the doctors or hospitals for the entire year. We've had various flavors of Blue Cross/Blue Shield "HMO Blue" Massachusetts. This is not even the top tier plan Blue Cross offers from my employer - that's the "PPO" plan which has significantly better out of network coverage.