I have insurance ($2,000 deductible, $6,000 out of pocket max) and am pregnant with twins. I am trying to find out if it would help or hurt to pre-pay for maternity expenses. I didn't know if I pre-payed the hospital if it would actually end up counting toward my out of pocket maximum or if it is just going to hurt me because it didn't go through the insurance first. Any help would be great!