Hey guys, my newly-wedded wife and I are expecting our first child and are really excited. I have a question about the insurance and such. Her doctor of choice apparently has this payment plan where you pre-pay for all of the doctor care that you will receive in payments by the 6th month or so. My question is, is this common? We will be changing plans and doctors and a totally new year of benefits next year, so I don't understand this practice. Apparently all of the doctor visits are rolled into this single large charge, including the visits she's having this year and are not billed individually. This seems to me to be a paperwork nightmare and might even violate insurance policies?