PPO vs HDHP (HSA) Plan for Pregnancy/Childbirth

Hello! Hoping to get some advice about my employer’s healthcare plans. I currently have the PPO 1000 plan but I’m weighing out my options as my partner and I plan to start our family in the near future. The info below is just a high level overview of both plans with some maternity/baby benefits included.

Also just some extra notes:

HSA plan has a $1,000 annual contribution from employer we live in Washington state (not sure if that's helpful) this assumes everything is in-network

Which plan would be better for pregnancy/childbirth?

PPO 1000:

Deductible (Individual/Family): $1000/$2000 Coinsurance: 15% Out of Pocket Max (includes deductible, coinsurance, and co-pays)(Individual/Family): $2900/$5800 Maternity Benefits: 85% covered after deductible Newborn/Nursery/Hospital/Inpatient Physician Charges: 85% covered after baby’s deductible Monthly Premium (Individual/Family): $183/$546

PPO 3500 (HSA):

Deductible (Individual/Family): $3500/$7000 Coinsurance: 0% Out of Pocket Max (includes deductible, coinsurance, and co-pays)(Individual/Family): $3500/$7000 Maternity Benefits: 100% covered after deductible Newborn/Nursery/Hospital/Inpatient Physician Charges: 100% covered after baby’s deductible Monthly Premium (Individual/Family): $116/$308 submitted by /u/APyritesLifeForMe
[comments]

See also  Surprise medical bill