Hi Folks, Me and my wife Just had a baby. I am currently on Cigna and I am trying to figure out if it's the right time to switch to Kaiser. There is also the option of switching to the Cigna Managed Network plan without HSA. I am currently on a high deductible plan where the company is contributing $750. I have rarely gone to the doctor past 10 years so I have some amount in my HSA.
Since the deductible has increased to $3000 and the company contributes $1500, I am inclined to switch to Kaiser as there would be doctor visits for the baby in the future.
Here are the options I have when I add my baby.

Details Cigna Choice Fundwith HSA Plan Cigna ManagedNetwork Plan Kaiser Employee + children $58 $61 $58 Plan-year deductible Family: $3,000 0 0 Company HSAcontribution $1500 0 0 Coinsurance Plan pays 90% Plan pays 100% Plan pays 100% Plan-year out-of-pocketmaximum $5,200 $6000 $3,000 Preventive exams Plan pays 100% Plan pays 100% Plan pays 100% Well-baby/well-child care Plan pays 100% Plan pays 100% Plan pays 100% Doctor’s office visits Plan pays 90% PCP: $20 copay PCP: $20 copay Urgent care Plan pays 90% You pay $40 copay You pay $20 copay Emergency room Plan pays 90%; You pay $250 copay (waivedif admitted); You pay $100 copay submitted by /u/pratik3558
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