Help picking plan, 30yo pregnant due in April

Hey!! I would love some suggestions for picking my plan. Background: I’m 30yo female who is pregnant and due in April! I have narrowed it down to two Florida Blue plans offered by my company through the marketplace. I get paid 2x month and the premium amount will be taking out of each paycheck. Just me on the plan January-March and baby is added ~April-December. I will be giving birth in a hospital (Morton Plant)

I have already pre paid my obstetrician around $800 for prenatal and delivery fees as they do not bill insurance until after I deliver which includes all care for prenatal appointments and the delivery itself. The one thing I am a little confused on is the price for childbirth/professional delivery services breakdown for each plan. I called the obstetrician office and they really didn’t know but said they would reimburse me afterwards if I paid more than was needed.

Florida Blue Silver Just me: $146.78/ paycheck $293.56/month $880.68/ 3 months

Primary visit $30 Specialist $75 Urgent $75 Emergency room 20% after deductible Med deductible $3,600 Fam med deductible $7,200 OOP max $7,900

Me and baby: $304.28/paycheck $608.56/month $5,477.04/9 months

OOP family $15,800

Whole year with this plan $6,357.72

This plan childbirth/deliver professional services: deductible and 20% coinsurance Childbirth/delivery facility services: deductible and 20% coinsurance

OR*

Florida blue gold

Just me: $235.26/ paycheck $470.52/month $1,411.56/ 3 months

Primary visit $40 Specialist $75 Urgent $75 Emergency room$500 Med deductible $1,500 Fam med deductible $3,000 OOP max $5,900

Me and baby: $452.40/paycheck $904.80/month $8,143.20/9 months

OOP family $11,800

Whole year with this plan $9,554.76

This plan childbirth/deliver professional services: $10 copay/visit Childbirth/delivery facility services: deductible and 20% coinsurance

If you’ve read all this I sincerely appreciate it.

submitted by /u/pinkmountain10
[comments]