I stupidly waited until the last day to complete my annual enrollment, and I don’t have enough time to analyze the plan options in detail. Which plan is optimal for someone anticipating the birth of a child in 2023?
Context: We max out the HCSFA every year to lower our tax bill, and we have a healthy, liquid pile of cash saved to cover out-of-pocket expenses associated with the birth.
Look at what @rxl said
Go with Cigna and max out your FSA.
Even if you don't plan to max out your FSA which is use it or lose it (can carry over $500 each year) you can go max once your child is born by entering a "life changing event". This will maximize any pre tax money you can put towards child birth.
Good luck and spend time using your PPTO..
OP do you have downs or 98 octane autism
Go with the HMO if in Houston. If in the Permian you are screwed and will pay Wwaaayyyy more than you would in Houston.
Hey, don’t be so mean when someone is looking for help. There is safety in being able to ask question here anonymously.
EM benefits services is pretty hit and miss. People manning a help line are just going to read the script. I’ve been led me down the wrong path a few times. It’s good to ask several people to compare. I did that before I retired.
There’s literally a pregnancy/delivery scenario on the last page of each plan summary. It outlines the costs for each plan as an example.
Good grief. What’s your ranking?
OP … your question reinforces that the pips and voluntary and involuntary separations targeted the best and brightest and now shareholders are left with dimwits that can’t even plan their own personal lives. Ask a friend … don’t ask a anonymous forum. Ugh!!
AF, are you asking this question?
Cigna or Aetna. Our childbirth cost us around $800 last year (on Cigna). Also had 2 MRIs on my knee that were free and my wife had an MRI of her back for $40. They do not require a referral for a specialist either.