No a fan of any of our plans, but if you want the best coverage, go for one of the plans that is protected by our PWA. It will cost you, but the coverage levels are much better.

As I said a few days ago, the HRA Gold is what we have and had when our last one was born. Had the 1500 dollars for a family, which you will get bumped to when you claim the wee one as a dependent, and 1000 in the FSA. That covered all of the prenatal expenses; her test, a few extra sonograms because of my age , etc, as well as a private LandD room, and all of the post momma and baby stuff. We did an elective induction at 39 weeks as well, no C-section, and no significant postpartum care. Baby was born in the first half of the year, and this along with our normal health care expenses, we incurred extra out of pocket expenses.

The coverage and discounts are not what they once were, but we covered the birth and the remaining family health expenses at that funding and health care level.