Anyone know which type of plan (low medium or high) deductible plan is best to pick if you’re expecting a child? How much was your out of pocket?

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I did a low deductible the year I had each of my kids. After that, I went back to either a moderate deductible or high with HSA. Now I just carry high with HSA.

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+1 to low deductible

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I’ve done high deductible for several years. I think my max out of pocket the year my baby was born was $11,000 but I didn’t pay that much. I used my HSA to pay for any doctor visit fees not fully covered and for lab tests etc. I think I met my individual deductible for the year and baby was born in Oct and I paid ~$3500 for the birth which included private room and other procedures. I think it also depends when your baby is due and if it’s close to the beginning of a new year you’re going to end up paying more to reach your deductible.
P.S. I was in NYC at the time.

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This is timely! I’m expecting my second and making a financial plan. I have the lowest deductible plan my company offers (highest premiums). Before I had my first, my deductible was $1,000 and my max out of pocket was $4,000. I maxed out my FSA to help cover delivery costs. When you have the baby, insurance will assign the baby its own annual deductible and max out of pocket so my limits essentially doubled. We also had secondary insurance (Aflac Hospital Indemnity plan). Between the FSA and the hospital indemnity plan, we covered most of our out of pocket expenses ($5,000-$6,000).

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I actually vote for high deductible. My husband has some medical issues so we know we'll ALWAYS meet our deductible. It's usually cheaper to save into our HSA (my employer also contributes) and meet the deductible and then everything is fully covered after that. Otherwise we meet the lower deductible but have percentage co-pays thereafter that really add up.

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I’m for low deductible but also check your specific maternity benefits. I have two low deductible plans I can choose from and one (the higher of the two) pays 90% of maternity costs vs. the lower deductible plan paying 100%. I didn’t have this option when I was pregnant last (different job) and had a moderate deductible plan and paid about $3,500 out of pocket.

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Thank you all so much, very helpful!

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If you're able, I'd pick low deductible just in case. I have a high deductible with HSA and ended up paying around 6,000 for the birth and dr visits I think, but I'd been saving up my HSA funds for it so about 1,000 was out of pocket. Was nice to be maxed out for the rest of the year though.

ETA: I had a fairly easy pregnancy and c section delivery

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Look at the premium costs + out-of-pocket maximum to gauge the maximum cost per year.

Also review pertinent plan details on coverage for hospitalization and the like.

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Can you use your husband’s HSA funds to cover pregnancy-related costs or can you only use your own HSA?

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