Planning to have a child in the next year or so, have no idea how health insurance works. Can any EY-ers share there experience with the firm coverage and if there’s anything I should be considering? Tried to read the Medical Plan but it’s going over my head and I can’t find anything about maternity. Thanks in advance!

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We went with the high premium plan when we were planning. Cost us 2-3k out of pocket for everything

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Highest premium plan plus max out FSA is the way to go

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Everything at the hospital? Or everything including any checkups and things like that? Appreciate the reply 🙂

For everything. OBGYN appointments, epidural, delivery, hospital stay. High premium is the way to go. Not to mention infants tend to get sick quite a bit and have many first year doctor appointments

Not EY, but similar story to SM1. My wife moved to a higher premium plan with the planned expenses. That seems to be the conventional wisdom at most places though every plan is different.

Good to know, thanks!

So not on a high premium plan, both my kids hit the family out of pocket max (mom hit individual nd then we hit it for the kid). Normal births and no major complications, but with our Cigna standard plan we basically paid 3-5k out of pocket and then hit the 7k max of our plan for family benefits. Good part is no worries about going to the doctor after that, bad part is we paid the out of pocket max.

Well care visits are covered at 100%. My son was born while I was at EY. We did one of the lower deductible plans. It worked out fine we switched when he was about 4 and daughter was 7 as everyone was going to the doctor less. Not sure where you are in trying but infertility treatment might factor in as well. We were in my wife’s plan for that.

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