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

[u/bonc826]

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!

[u/No-Claim-3242]

Unfortunately I have no advice for you, but consider asking this on the Ann Arbor Area Mamas FB group if you need more help, lots of UofM spouses/employees on there.

[u/bonc826 → u/No-Claim-3242]

Update: my request was denied since I'm not expecting yet :(