The choices haven't expanded that much, but KP is still a good option if you live in there catchment area. KP is an HMO whereas the other options are all PPO offerings.
That isn't all bad except for those who say they want to use "their" OB. With KP you use their docs or you have no coverage.
All primary care (and some specialties) are all delivered at their clinics around the Atlanta area. They offer what I refer to as "one stop shopping" which is a real plus in today's busy society. You can literally get in and out of the clinic inside of an hour. You can have your exam, lab work and even pick up prescriptions all on site.
Compare this to waiting an hour or more before ever seeing your doc under a PPO setting.
The maternity benefit is unique in that there is no waiting period. Other carriers require 90 to 365 days.
The benefit is quite clear cut. You make a $1,000 copay to your doc and $2,000 to the hospital. That's it for a normal delivery.
Every carrier has their strengths and weaknesses and each has a distinctly different approach to maternity. You can review KP plans and rates by opening this link in your Internet Explorer browser.
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