Marketplace Insurance for NJ Couple Trying to Have a Baby
My husband and I are both independent contractors shopping for insurance. We live in NJ and are planning (hoping) to have our first baby next year. We have been trying for over 1.5 years and started seeing a fertility specialist in the last few months. I will also need to see an endocrinologist throughout a pregnancy.
I have a couple questions:
Is it better for us to get insurance together or separately? Since I will be the one receiving pre/postnatal care, delivery, maternity care, etc., and my husband is in good health, is it necessary for both of us to be on a more expensive plan?
Is a more expensive plan worth it for me? To be specific, here are some numbers for individual plans:
United Healthcare Bronze EPO
United Healthcare Gold EPO
Aetna Silver EPO
Horizon Gold EPO
Monthly Premium
$402.23
$875.94
$442.40
$920.54
Deductible
$3,000
$1,500
$2,500
$500
Out-of-pocket max
$9,450
$9,000
$8,850
$7,000
Prenatal and Postnatal Care
No Charge
No Charge
40% Coinsurance after deductible
$25 Copay
Delivery and All Inpatient Services for Maternity Care
50% Coinsurance after deductible
20% Coinsurance after deductible
40% Coinsurance after deductible
$500 Copay after deductible
Is there anything I may be overlooking? Any advice would be appreciated!
