If your policy applies a co-pay, co-insurance or deductible, you will be responsible for paying for these charges. Usually, services are covered at 100% under the mother, but sometimes there is a deductible, co-pay or co-insurance. These charges most commonly apply to baby; however, they may occur on mom in some plans. Please contact Aetna to find out if your services will be subject to a deductible, copay or coinsurance. When speaking with them, you can reference the codes we use for our services. Home visit codes: 99344/99349, s9443 and 99404 Office visit codes : 99203/99213, s9443 and 99404. Understanding co-pays, co-insurance and deductibles