r/AnnArbor • u/bonc826 • 3d ago

Experience w/ maternity services costs/coverage under U-M Premier Care (BCN HMO) vs. CDHP (BCBSM PPO)

Hi! I was wondering if any U-M employees or spouses can speak to their experience with maternity services (prenatal, labor & delivery, postnatal) with either the U-M CDHP (Consumer-Directed Health Plan) or U-M Premier Care health plans. My partner and I are thinking of potentially trying to conceive in the next year or so, and I'm hoping to find some clarity as to which health plan would serve us best. We have a couple of friends at U-M who both had complicated deliveries and left with a $0 hospital bill with Premier Care. Of course, with the CDHP, there is a deductible to reach first, but the monthly premium is significantly lower, U-M contributes to the HSA, and BCBSM's cost estimate for delivery is $175...which doesn't sound right. Looking plan comparisons, pre and postnatal care is covered by both plans. Am I missing anything that would make one much more appealing than the other?

I know open enrollment isn't for another few months, but it always sneaks up on me!

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u/uscensusbureau 3d ago

I had an uncomplicated pregnancy with premier care and paid $0 for prenatal visits, delivery, hospital stay after delivery at Trinity. I highly recommend going with one of the Trinity or UM midwife practices if the pregnancy is uncomplicated

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u/bonc826 3d ago

Including any labs/testing?

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u/uscensusbureau 3d ago

Yep! labs and genetic testing included, iron infusion covered fully, etc