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Ok question Socks or no socks with dress shoes?
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Especially when you're expecting I'd plan on hitting your family out of pocket max, which takes a lot of guesswork out of picking from an expense perspective. And like EY1 said, the other main factor is making sure Mom is comfortable with the doctor network available per plan
Doesn’t this depend on your plan? If it’s covered, then you shouldn’t have too many costs associated with out of pocket coverage for a delivery.
We have generally do PPO so that if we ever needed specialists outside the network, we could get some coverage there and not pay full costs out of pocket (if we hit our deductible).
Main thing is finding an OBGYN you trust and ensuring their services are all covered under your new insurance, and hopefully all in network.
And you’re not going to be tied to the plan for the entire year, you can always switch plans since a new child is a life change event that lets you redo your benefits (at least that was the case for us during our last two kids).
Honestly look through the insurance providers and find out which one of them are accepted at doctors near you. Most of the top tier plans pretty much come out to the same pricing in the end, so make sure you can get the service that you need when you need it
Solid advice by the folks above. One thing that’s not widely publicized is if your benefits include hospital indemnity insurance and it’s underwritten by MetLife, you’ll get between $1000 to $2000 for the hospital stay, completely separate from what your insurance covers. Confusing at first to grasp but was helpful. Canceled within 30 days of the birth.
To answer the fee question: hospital billed $17,000, ob delivery wanted $6,800, ob and ultra sound appts were probably asking for another $8,000 over the 40 weeks. Lactation consultant was a couple hundred and just said hello, I see it’s your X kid (not first), need any help (what a scam), anesthesiologist for the epidural wanted $3,500, normal blood work was another $2,000, did an genetic blood test that was $36,000. (18k x 2 due to both parents). Medical billing is a scam and done with Monopoly money. Some bills showed the ask of 800 for a visit, plan paid 124. That’s the equivalent of “pay me like a McK partner, no? Ok I’ll take the BA comp. What a crock.
Src: recently had a child. Note that this was all for a non cesarean delivery with no complications and discharged after 26 hrs of life. Induction and before delivery was under 12 hours. Total of 36 hrs in the hospital. Then baby has bills for tests and screening that add up as soon as they’re delivered (hearing test, pediatric visits in hospital and 3 days post discharge)
In short, you’re going to hit max.
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My second was in the NICU unexpectedly. L&D was in the $20K range, 69 days (yes, really) in the NICU was $2.1 million, physician fees was in the $70K range. Insurance paid about half. We paid $200 OOP, but that was due to a billing error and we should have paid zero but we didn’t have the energy to contest. My advice? Kids are expensive and get sick a lot. Opt for the lowest copay / lowest deductible plan with the widest network