You can request a copy from your records each year. You can request a copy in the records for free each year. An ideal provider organization (PPO) also offers a network to choose from, and if you choose to leave this network you will likely be charged a fee. A POP or Point-Of-Service plan will let you choose into the network, it has the ability to direct you outside the network. Some insurers are known to deny coverage to women simply because they have undergone C-sections, because it is a very expensive process. In response to the higher expenses associated with future C-sections, the provider will charge more or deny coverage altogether. You are entitled to an annual copy of your medical records each year. Some insurance companies have been shown to deny coverage to women because they have had C-sections, as it is an incredibly expensive process. Because the insurance company knows they may have to pay that cost again, the insurer can charge a higher premium or simply deny it