full image - Repost: Trying to decide about Insurance while trying to get pregnant, HELP (from Reddit.com, Trying to decide about Insurance while trying to get pregnant, HELP)
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Hi everyone! My husband and I are planning to start trying for a baby in 2026, and I’m completely overwhelmed trying to choose the best health insurance before we go into this. I’ve looked at the numbers a million times, but I really want feedback from moms or moms-to-be who have actually used these types of plans for pregnancy and delivery.Here’s what we’re deciding between and I’d love any thoughts, experiences, or red flags you see.My plan (uses Cigna PPO Choice Network)Premium: $98 biweeklyDeductible: $2,500Out-of-pocket max: $4,500 (individual)Prenatal visits: $0Delivery: 20% after deductibleThe maternity example in the summary shows I’d pay around $4,560 total for pregnancy + delivery. It’s technically administered by “90 Degree Benefits,” but the network is Cigna PPO Choice, so I’m not sure if that matters or not. This plan looks really affordable, which almost makes me suspicious lol.My husband’s two plans (Anthem PPO)PPO Option 1 — $3,000 deductiblePremium: $147.28/weekDeductible: $3,000OOP max: $9,000Coinsurance: 20%PPO Option 2 — $1,000 deductiblePremium: $201.53/weekDeductible: $1,000OOP max: $7,000Coinsurance: 10%Pregnancy example shows about $2,760 out-of-pocket.These look good for maternity on paper, but the WEEKLY premiums are huge.What I’m trying to figure out:Is my plan actually a good option for pregnancy even though it’s an HDHP?Has anyone delivered using a similar deductible/OOP combo and found it manageable?Does it matter that my plan is administered by a third-party (90 Degree Benefits)?Would you keep me + baby on my plan and let my husband stay on his?Or is there something I’m not seeing that makes one of his Anthem plans better?When I add everything up (premiums + delivery cost), MY plan ends up around $7k total for the whole year.His plans end up around $13k+ because the premiums are so high.I’d love to hear from anyone who’s navigated pregnancy costs, NICU surprises, or insurance gotchas. What would YOU choose if you were planning a baby?Thank you so much, insurance feels like another language, and I really value hearing from people who have been through it!
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