Medicaid is still your primary insurance. Personally, I'd dump it. We found having another insurer resulted in higher costs! You may find your situation to be different.
Are you using care providers who do not accept Tricare, or you are not seeking authorizations? Then you WILL pay half the costs. That's the Tricare Point of Service Option.
I am on Prime as a retiree. My co-pays for an authorized appointment are $12; I rarely have to pay that on the spot. I was just in the hospital for three days and I doubt I'll pay more than $50. The difference is I did not get a choice of providers, I went where I was sent.
Most PCMs are NOT Tricare experts. Paying that amount sounds much more like Tricare Standard or Prime's PSO. I would suggest a phone call to be 100% certain you won't get stuck with high co-pays.
Hmm...That's interesting, they never said that to me. I would wait and see. Tricare can be really stupid sometimes. And thank you. When are you due??
I was on Standard when I delivered, no cost at all. Or on Prime, Maternity care is 100% covered by Prime AND Standard. It even says it in their hand book that they give you. As long as you are using a doctor who is covered in the Tricare network.
I delivered on April 7 of this year. And even got bounced to a different hospital then what I had my referral in for. And still no out of pocket costs.