so my DH started a new job today which is more $$, better commute, etc, the only drawback is now i have to change insurances at 31 weeks, luckily my OB is covered by most of the plans we have to choose from, unfortunately, i am so mad about what kinds they do offer. I think we are going with the most expensive plan which is aetna POS open access (b/c you dont need referals), but what sucks is they only pay 90% of the hospital bill, we pay the other 10%, although it is a $1000 maximum for an individual, $2000 for family, so basically i know i will be paying the $1000 for me and then anything that they charge for my son in the nursery will go toward the $2000 family, so pretty much i am figuring it will cost us $2000 when all is said and done. I know thats not bad when other people dont even have insurance, but my DH's old insurance was so much less $$ a month and it was only going to cost us $50 for the entire labor and delivery! Thats a hugh difference from $2000!! aughh, sorry, i just needed to vent