XP: TTC and benefits for next year

[dancingirl21]

I posted this out on the main board, but maybe it's more appropriate here.

H and I are TTC starting in about 1 week. We need to enroll in our benefits for next year by November 15th. I'm wondering how much we should put in our FSA? Assuming we get pregnant within the next 5 months, the baby would be born next year. If I knew for sure, I would put all $2500 in. I know it's not a guarantee, but we TTC this past June and were pregnant within 1 month. Unfortunately that one ended in a d&c. So, we have been able to conceive quickly, but there's no saying how long it will take this time.

What would you do with the FSA?

[evynsmama]

Put in enough to cover the deductible/copay for hospital stay and then if you don't need it for that then use it for massage therapy or accupunctue/chiropractic. I always put enough in FSA to cover hospitalization and even if I don't use it all (which has never happened) I still got the tax break.