Any upgrades booked or wait listed prior to December 1, 2004 will not have to pay the co-payment.
Find out if you'll be required to pay your dentist out-of-pocket and wait for reimbursement or if you'll you need to make a co-payment only.
An emergency is when your car breaks down or you need medical care that has a co-payment and you can't pay in cash.
This is actually on par, in American terms, with the average co-payment a person with insurance would make at a hydro/aquatic therapy treatment facility.
Although many insurance companies cover prenatal care, labor, and delivery, you might still be left with huge bills if you have a large deductible or co-payment.