Reply to 2015 Federal BCBS vs Aetna for Maternity Benefits?

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Reply to "2015 Federal BCBS vs Aetna for Maternity Benefits?"

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[quote=Anonymous]Hi everyone, bumping up this thread since open season is about to end and I'm torn about what to do.

I was on Aetna for infertility benefits and am now pregnant, trying to decide whether to stay on Aetna basic or switch to BCBS basic.

Premiums are about the same, and both plans have no deductible.

For maternity stay, BCBS is a single $175 copay, everything else covered.  If baby needed the NICU beyond my stay, it would be $175/day up to $875 max under BCBS.  Aetna seems like it's $200/day up to $1k max for my hospital stay (big disadvantage for Aetna), everything else covered.  If the baby were in the NICU for longer, they would be billed $200/day up to $1k max (so not much difference between Aetna and BCBS on the NICU issue).

However, Aetna has other big advantages over BCBS:

1. Ability to go out of network
2. $6850 vs. 11k catastrophic limit per family (I belive, if I understand correctly, this could end up being very significant if baby had a prolonged NICU stay and associated costs)
3. Greater dental and vision coverage
4. Breastfeeding Center is in Aetna's network (I needed a lot of breastfeeding support the first time around, and it is expensive!).  BF Center is not a BCBS provider, but I don't know what percentage they cover.

Aetna also only provides a pump every 3 years, BCBS provides every year (but it's an Ameda not a Medela).

What do people think?[/quote]

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