Hubby and I are trying, so planning on being pregnant in 2019. It’s open enrollment season for our healthcare - any things you wish you had planned for in the benefits world?

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Pregnancy is not a "life changing event” to change your insurance though, only having the baby is. So make sure you have enough insurance to cover prenatal visits and any issues that may come up (example: I had a check up during early pregnancy where I found out I have a mild heart condition, then did a lot of testing that was very expensive). Do not get a high deductible plan!!

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^ I wouldn’t do that if you aren’t pregnant yet. It’s a use it or lose it account, and you wouldn’t need it immediately anyway depending on your leave policy

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Put money in FSA for childcare

Agree with OW. If not pregnant than don’t worry depends on when your enrollment is for 2019 if you can change benefits. Does hubby have insurance. Can use both until you are pregnant than do life changing event

At least calculate cost of prenatals and put that much in your FSA. They are expensive!

Personally, I’d go on the high deductible plan and then save save save in an HSA. The savings are tax deductible, and make paying for all the medical bills less painful. That’s what we did for our kids, and we had enough saved in our HSA that we didn’t pay anything out of pocket for prenatal visits or the hospital .

Some costs to consider in FSA:
-If you are under 35 and doing genetic testing
-Birthing Doula
- birthing / childcare/ CPR classes

Also check coverage for chiropractor and acupuncture

Yikes someone just like ACN1 gave me advice to get on a HDP for my pregnancy year. Wow that was a terrible idea. While you may be fine for regular check ups... you will kick yourself when you have to pay so much out of pocket for the actual delivery and if you put your child on your insurance - forget about it. You will be paying ~$75 each visit and when they are little you are going a lot. Terrible idea even with the benefit of an HSA. Go HDP when you’re not having kids and can bulk up your HSA but if you’re just starting no way. Regular plans are better and the end all out of pocket will be so much less.

@D2 I have high deductible plan and it’s still the best option even in a pregnancy year and with a toddler. So I don’t think it’s the worst advice given. My deductible is 2700 and company contributes to HSA. All of my toddlers wellness checks that first year was covered.

As a ftm I took my infant for sick visits often. People warned us about it and we thought we’d be fine since he was home with me the first 6 months but we again as first time parents we were more cautious - also things to consider are things like them not doing well on a specific formula or gas or colic or if they have jaundice at birth and require follow ups. At 6 months he went to daycare and the first 4 months of that he picked up everything so we did pay out of pocket for all those and they have their own out of pocket/deductible to meet at that point.

Don't forget about STD if delivering in 2019, too.

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