Reply to Federal Health Benefits - BCBS Standard or Basic for Maternity and Birth Delivery

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Reply to "Federal Health Benefits - BCBS Standard or Basic for Maternity and Birth Delivery"

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[quote=Anonymous][quote=Anonymous]Thanks, PP.  This is the persona wondering what the point of Standard really is, and you affirmed what I understood from the benefits.

I did notice on the other thread however that if you have children in the NICU the costs actually might be better for Standard. Has anyone been in this situation? as I mentioned there:

We just found out we are expecting after IVF. We transferred two and thus there is a chance that I may be expecting twins, which obviously have a better chance of being in the NICU than a singleton would.

Not sure what to do, the changes of twins are only 25%, and we won’t find out how many I am carrying until after open season. In every other sense, Basic makes more sense for our family...

[/quote]

I would stick with Basic in this instance.  Actually having the child counts as a life event for which you can make a change outside of open season, so if you have twins AND if they need ICU time, you can make the switch to the Standard plan when you add the bab(ies).[/quote]

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