I've been in contact with the Maternity Card people and they charge $199 for the 1st month, then $100 for 11 months after that. On their website they show bills from hospitals that were SUPPOSEDLY in the ballpark of $19,000 that they had reduced to around $3,000.

How on EARTH do they do that? Sounds to good to be true, huh? This seems like it might be a scam...I don't know. I hope somebody with experience in this matter will respond soon.