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By calling their PCP and asking. Catastrophic plans are basically high deductible plans. Pregnancy + delivery will reach that deductible as will pretty much any surgery that requires an OR.Sure, that's great in theory, but how is a patient supposed to know their condition isn't an emergency? Also, would a C-section be considered catastrophic? I doubt it. What about elective surgeries that while not emergently or urgently necessary, are important for the morbidity or mortality of the patient? Sure all of those would be cheaper, but still cost a couple thousand dollars.