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[quote=Anonymous]I'd choose the best labor/delivery and hospital stay benefit you can afford. If your kid ends up in the NICU, you want good insurance. If you have a c-section, you don't want to pay 80% co-insurance.

Keep in mind that once the baby is born, costs incurred in the hospital for the baby will be... under the baby's part of the policy. I know this sounds intuitive, but if you're thinking costs for labor/delivery for you only, you're missing a piece of the puzzle. The kid will have to meet the new deducible for him/her individually (unless you've already maxed out the deductible as a family by then). For this reason, a high family deductible and a high individual deductible aren't ideal.

For the year my kid was delivered, we went with the Open Choice HMO (you choose your docs, but there's no out of network coverage). Pretty much everything was covered at 100%. We switched back to a regular PPO afterward. But it was worth it that year to have such great maternity/delivery coverage! (do beware, however, of docs who are "out-of-network" working at "in-network" hospitals. I can't believe it's still a thing.)

Also, be sure to check out if your OB/GYN and hospital are in-network. I also checked some hospitals where my family lives, as I'd be visiting them for the holidays and wanted to be sure there was an in-network option if anything went wrong. I was shocked that one carrier was not in network for any of that city's hospitals.[/quote]

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