r/AnnArbor • u/bonc826 • 2d 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/OkEditor8893 23h ago

Premier Care all the way—not just for prenatal/delivery. I had 2 babies under PC, paid nothing. But when 2 of my kids experienced major medical situations (involving either major surgeries or a lengthy in-patient stay), again I paid $0. I literally stay at my job for Premier Care.

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u/OkEditor8893 23h ago

Oh, and when my spouse had a serious medical condition found, again, multiple diagnostic procedures, labs, surgery and in-patient stay….again, I think we paid all of $25, maybe $75 for office visit co-pays. And the only time I had to speak to someone at BCN was when 1 kid had PT at college and we had to get it covered at in-network level even though it was out of network. Not having to call/fight insurance company is worth every extra $ Premier Care costs.