United Health Care or Cigna? Which would you choose for your benefits when considering having a child?

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Check with the OBGYN and hospital you want to use and see if they take one or the other. If they take both, I’ll tell you that United Healthcare has a reputation among hospitals/doctors to not pay well. It wouldn’t affect you as the patient, but the hospital might like seeing Cigna. This comes from my mother who works in hospital administration.

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Lots of plan options and regional network differences at play. Ask folks in your area with the plans you're comparing.

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This is a loaded question. You need to figure out the plan details to really understand what is covered and not. Plus check you doctors and networks. Most hospitals can price a regular delivery from your plan if you call the billing department now with HD plans. Or you can do it on their website sometimes

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