Open enrollment tip — if you’re due in 2025 (or have an upcoming hospital stay), definitely look into hospital indemnity insurance. I elected ahead of having my baby this year and was able to get a solid claim in, knocking the “who knows what the hell you’ll get charged for having a baby” bill down a bit. Well worth it:

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What did it cost you monthly and what was the payout? Hospital stays are usually so short for births, what’s the math for it being worth it?

I think I paid less than $20/month for the more expensive plan. Got around $1200 back. This was thru MetLife

Absolutely worth it as well as the additional disability coverage if you can. Ended up getting about $3k total when we had our son that really helps.

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