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