问一下生娃的保险

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seajjj13
楼主 (未名空间)
刚入职新公司选保险,要生娃,现在积极备孕,求问今年剩下2个月和明年的保险

公司的保险有4种
cigna ppo:deductible网内1000/ 网外2000;out of pocket网内4000/网外8000;
maternity网内外都是90% after deductible
cigna epo:只有网内;deductible 1000;out of pocket 4000;maternity 100%
after deductible
cigna hsa:公司补1000;deductible网内3000/网外6000;out of pocket网内4000/网外8000;maternity网内90% after deductible/网外70% after deductible
kaiser hmo:只有网内;deductible 0;out of pocket 3000;maternity $250 per
admission

听说生产住院的时候反正是要把out of pocket用完的,cigna的网跟kaiser的网内医生哪个好一些?看到网上说kaiser的有的说只要300刀就生娃完了,这么便宜么?
今年还有2个月不知道选什么,现在还在备孕,还没有怀上,希望马上就怀上,

另外,人在湾区,东湾union city,求推荐ob和医院。谢谢
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seajjj13
2 楼
补充一下bi-week premium

cigna ppo:105
cigna epo:115
cigna hsa:80
kaiser hmo:95
FortyNiner
3 楼
Don't know about your policy with Kaiser. We have two kids, both at Kaiser. Each one, we paid a total of $120, everything included, labs, visits, and even the food for the two or three days at the hospital after delivery.
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seajjj13
4 楼
xiexie

【 在 FortyNiner (Niner) 的大作中提到: 】
Don't know about your policy with Kaiser. We have two kids, both at
Kaiser.
Each one, we paid a total of $120, everything included, labs, visits,
and
even the food for the two or three days at the hospital after delivery.
hesterhql
5 楼
看起来也是最后一个最划算 问问你附近医院是不是接受这个保险
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ivyWW
6 楼
the last one
need to make sure network
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tweedy2003
7 楼
depends on your plan, but we are with Kaiser, and we didn't spend anything
out of pocket during the whole process, I had c-section. We pay 200+ each
month though, for me and my husband.