I'm not pregnant yet, but my FH and I are planning to start TTC this winter. In preparation for that, I need to make some decisions regarding insurance and midwives vs. OBGYNS.
I am currently signed up for the PPO offered by my job. I work at a psychiatric hospital which is affiliated with one of the major hospitals in town. With the PPO, I pay for 20% of office visit costs to doctors who are in the network (St. Francis) and 50% if I go to someone out of the network. For all practicality, I prefer the PPO to the HMO - even if it does cost a little more in the long run.
The HMO's network, on the other hand, includes 3 major hospitals in this city. St. Francis, St. Johns, and Hillcrest. Normally, I'm fine with St. Francis. But they offer the fewest options when it comes to childbirth. They list on their website that you can hire your own doula (gee, thanks for allowing
it) and you can have a 'pavillion room' for an additional $135/night. A friend of mine just had a baby there in May, and when I went o visit her I felt like we were all in a closet.
Hillcrest has BirthCare suites so you feel more at home than in a cramped up little hospital room. They also provide a volunteer doula.
I also found this practice (http://www.awstulsa.com
) which offers both midwives and obgyns. They are associated with St. Johns.
I have a couple of opprotunities to change my insurance plan. One is when I get married in October ("change of status") and add my FH to my plan. That is effective the day I hand in the paper work. Then, open enrollment is in November and becomes effective in January.
I have some things I want my FH tested for as soon as he's on my insurance. Like I want him to go to the sleep clinic because he has sleep apnea and isn't being treated for it. If I switch to HMO right away, he'll have to FIND a PCP, go to him, get his referal, THEN make an appointment.. HMOs can just be a huge fricken mess. Especially when you're looking at something that isn't a quick fix and may require multiple visits.
ACK. I'm just really unsure of what I want to do. Or when. Or the benefits of each option.
I think right now, my plan is to add my FH when we get married in October, change to HMO during open enrollment, then change back to PPO after having the baby ("change of status" so it'd be effective immediately without waiting for open enrollment)
I'm new to this whole 'choosing my plan' thing. And definitely new to the idea of pregnancy. Any advice is very welcome.