Open Enrollment with a baby on the way!

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Hey r/HealthInsurance

This upcoming week is open enrollment at my current employment and I’m hoping I can get some advice.
My wife & I just found out we have out we have our 2nd baby on the way! Very excited! However, the Insurance situation is a little different this time. Previously I only had my own coverage and my wife was on her dad’s insurance, which covered basically everything. This time, she will be on my insurance as she is over 26 and no longer on her dad’s insurance.

That brings us to my current situation! Here’s the summary of the 3 Health Insurance options. I’m currently on the BCN HMO. My child, wife and I are all healthy so we haven’t needed anything beyond physicals/preventive care. It doesn’t cost any additional contributions from my paycheck which is nice compared to the other plans.

However, I’m starting to understand the appeal of a PPO that doesn’t require me do go through a Primary care physician, especially for each of us now. On top of that, my employer offer a $3000 contribution to the PPO HSA plan. However, as you’ll see in the coverage for maternity services below, my BCN HMO covers 100% of the delivery services while the PPO HSA only cover 80% (both cover 80% general nursing/hospital care). My fear is that by opting for the HSA plan, I’ll basically rip through the $3000 as it’s entirely possible that 20% of the delivery could cost that much.

Here’s the coverage of maternity services of my current BCN HMO plan and here’s the same for the PPO plans.

I guess I’m looking for general advice. What’s the best way to ensure all baby related services are covered/can be paid for via HSA if necessary? What would do in my situation? Thanks!

submitted by /u/the_peter_parkour
[link] [comments]
Hey r/HealthInsurance This upcoming week is open enrollment at my current employment and I’m hoping I can get some advice. My wife & I just found out we have out we have our 2nd baby on the way! Very excited! However, the Insurance situation is a little different this time. Previously I only had my own coverage and my wife was on her dad’s insurance, which covered basically everything. This time, she will be on my insurance as she is over 26 and no longer on her dad’s insurance. That brings us to my current situation! Here’s the summary of the 3 Health Insurance options. I’m currently on the BCN HMO. My child, wife and I are all healthy so we haven’t needed anything beyond physicals/preventive care. It doesn’t cost any additional contributions from my paycheck which is nice compared to the other plans. However, I’m starting to understand the appeal of a PPO that doesn’t require me do go through a Primary care physician, especially for each of us now. On top of that, my employer offer a $3000 contribution to the PPO HSA plan. However, as you’ll see in the coverage for maternity services below, my BCN HMO covers 100% of the delivery services while the PPO HSA only cover 80% (both cover 80% general nursing/hospital care). My fear is that by opting for the HSA plan, I’ll basically rip through the $3000 as it’s entirely possible that 20% of the delivery could cost that much. Here’s the coverage of maternity services of my current BCN HMO plan and here’s the same for the PPO plans. I guess I’m looking for general advice. What’s the best way to ensure all baby related services are covered/can be paid for via HSA if necessary? What would do in my situation? Thanks!
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