re: Pregnancy without maternity coverage?? Pay cash?? Add coverage??

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Honestly, you never know what can go wrong in a pregnancy. You may be thinking it'll be a regular pregnancy that may only set you back 15k, but you never know.

For instance, the latest baby (and last baby) my wife and I had rung up over half a million worth of charges.

What if the baby is premature and has to be in the NICU for months? That's hundreds of thousands of dollars and happens a lot more often than you think.

Option 3 is the dumb option. Go wtih option 1 or 2, unless you know for sure if your kid has to go to the NICU or any other complications can be covered under your current insurance.

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I just got off the phone asking our insurance questions about these scenarios. They said that the separate maternity coverage/rider is only related the cost of a typical pregnancy. Any complications past a normal delivery/c-section are covered under the main insurance policy. Any issues with the child are covered under the child's new policy. I asked her if there is any way that we would be responsible for some kind of large bill and she said no. She also said that being able to add the new child to our family policy is not affected by whether or not we have maternity coverage or not.

So it looks like option #3 for me.