Hello, I recently joined Deloitte, want to understand which health insurance is the best for my current needs. We are expecting a baby and due date is late December.

I used to have anthem blue cross blue shield from my previous employer with zero individual/family deductible so never overwhelmed with payments after Dr appointments. Of course premium was on high side but still had a peace of mind.

Any suggestions in picking up right insurance plan? Thanks in advance.

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I mean, what are the options buddy? You want low deductible, low copay generally. Are you in California? If so, get Kaiser if it’s offered.

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Kaiser is the best. We had it for our two kids in Cali and GA.

You are still better off going with HDHP plan. Based your location/network of hospitals you can pick Aetna/UHC/Blue.
I used UHC HDHP before / during / after pregnancy with gestational diabetes and C section. Few extra OBGYN appointments, C Section surgery, pediatric appointments didn’t impact my assessment as much.

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Pre kids we used a High Deductible low premium HSA plan. When wife got pregnant we switched to a low deductible high premium Cadillac plan just to ensure we had full coverage in case of any eventuality. And thankfully we had that coverage till kids were a couple of years old because we used it fully. After kids doctors visits started going down, switched back to a high deductible plan.

For the peace of mind and to ensure your wife has full coverage, I would urge you not to scrimp on insurance during her pregnancy

Thanks everyone, since we are close to due date, my wife is not comfortable changing OBGYN. I will look out for low out of pocket plan applicable for California location which is in-network with that doctor.

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