Question about insurance options for 2013

[serendipity]

Random insurance question:

So, if all goes as we hope, we hope to deliver sometime in 2013.

We have to pick our insurance option by tomorrow.

1st plan has $2,000 deductible and plan covers ~80% of everything. ($1,600 per year)

2nd plan has $600 deductible and covers ~90% of everything. ($3,380 per year)

1st plan is $1,700 less per year. I am leaning towards the more expensive plan because if all goes well there will be many dr. visits, lab costs, etc. if everything goes as planned.

What do you guys think? I have no idea.

[glauren]

I'd probably do the 2nd plan, since I imagine you'll probably be able to meet the deductible in just a few appointments.

[FastHands]

I went through this, too. Ours were similar plans, except the higher one had NO deductible. I opted to stay the same because I'm nto feeling super hopeful, and for us at least, both options covered pre/post natal visits 100%, so the difference would only be hospital costs, which would only end up saving us money if I had some kind of complication that required C section.

Soooo i essentially bet against myself, which sort of feels like shit, but it just felt right. I'd rather be pg and out some $ than pissed that I didn't get pg in time for it to be worth it AND out the extra $ for premiums. ridiculous, I completely realize.

[blindyswife]

I always opt for the pricier plan.