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What type of insurance (Blue Cross Blue Shield) should I enroll in for myself and wife?

I recently got married and am adding my wife to my insurance coverage (medical). We will be having a girl in June and my wife has diabeties. Does anyone know/recommend what type of insurance we should enroll in? I am completely lost when it comes to this stuff. I know very little about deductables. The plan shows a 1k deductable. What does this mean? anything up to 1k we pay out of pocket and then the insurance takes over? Also, what about doc appointments? how do i know how much money i'll have to pay out of pocket at the time of appointment? Thanks for all your help!

Public Comments

1. Unless your plan is through your employer then you're (likely) not going to be adding a diabetic pregnant person to your health plan. So, either call the insurance broker you bought the plan from or call the insurance broker at your place of employment.
2. Your family is completely uninsurable, on private health insurance, since your wife is currently pregnant. But since you're ADDING her to your policy, you don't have a choice - you get whatever you picked for YOU. Look, You can't add her to a policy YOU don't have, so I don't think you've got one. And you can't buy one while she's pregnant, and you can't get maternity coverage any more. So you're GOING to be waiting until AFTER baby is born, before buying FAMILY coverage for everyone. And if you're looking for PRIVATE health insurance, you can pretty much bet that you STILL won't find maternity coverage, and no one will cover anything related to your wife's diabetes.
3. 1k deductible means that anything up to $1000, you pay all of it out of pocket and the insurance pays none of it, and that the insurance pays a percentage (usually 50-90%, and most often 80%) of the rest (you still pay something, most often 20%). For doctor's appointments, if you use a doctor in the insurance company's network, you usually pay $5-$30. This may vary. If you voluntarily decide to use an out-of-network doctor when you could have used an in-network doctor, you pay a much higher amount.