Reply to Should I switch from a PPO to HMO? Help, please!

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[quote=Anonymous][quote=Anonymous][quote=Anonymous]Does your family have any health issues? If yes, i wouldn't switch. Things will rise unknowingly of course but i we don't have a health condition, any plan is as good as the other. 
But, if you are worry about getting pregnant and delivery. Maybe just wait till April to start really planning for baby 2. That way, the baby won't come till 2019! You can change back during open season.

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Thanks, OP here.  No major health conditions and DH's allergist (he's getting allergy shots) takes the HMO as well.  What was really annoying with the PPO was that tests and ultrasounds were covered at 85%, so I was constantly writing $100+ checks for ultrasounds, blood work, and other routine testing.  Then I ended up being in the hospital for almost a week and the baby needed the NICU and specialists, so the delivery and postpartum care was really expensive.  I'd like to avoid the next pregnancy costing $5,000-10,000, but not if it limits the care or providers we have access to.  [/quote]

Then that’s a bad ppo. I had a baby 2 years ago and a nicu stay etc and pretty much paid for nothing. [/quote]

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