From overwhelmed to confident:

Melissa, 31, lives with her husband Ben in Seattle. They both work in tech at different companies. When she found out she was pregnant, she had to choose between the health plans from their two jobs.

*Melissa and Ben’s names have been changed and their companies omitted to protect their privacy.

Navigating overwhelming insurance options with a new baby on the way

The day after Open Enrollment started, Melissa got exciting news. She was pregnant with her first child.

“I just had a positive pregnancy test, so insurance was suddenly urgent to figure out. I wasn’t even sure what the next step should be, every source I could find disagreed!”

Normally, Melissa and Ben chose health plans separately. But with pregnancy, the real costs—what was covered, reimbursed, or how much—were hard to untangle. With a tight benefits window and 3 plans each, they had to pick one for the baby and decide if they should all be on the same one. The options felt overwhelming.

“I would’ve been on Reddit and places like that, reading posts from people in my situation, trying to understand state-specific benefits. I would have made a call that way. So it really appealed to me that Predictabill had actual, detailed information about what’s normal and what’s not.”

Predictabill: Clear, stress-free guidance for her family’s health plan

On Saturday, Melissa filled out Predictabill’s short questionnaire about her family’s medical needs, including her pregnancy and due date. The dashboard instantly showed clear, personalized recommendations. With a few more swift clicks, she entered the details needed to request a comparison of her husband’s plans.

By Sunday morning, her updated dashboard displayed recommendations for their family using both employers’ health plans. It showed 24 possible combinations.

“It was pretty straightforward. Predictabill laid out the options and the expected cost difference. It felt like a white-glove concierge, something that would have taken us much longer, and I’m not sure we would have done it right.”

Understanding the detailed costs gave Melissa confidence and control

Based on Predictabill’s recommendation, Melissa and Ben focused on 2 of the 24 options. One plan could have saved them $3,000. But Melissa saw poor local reviews and realized she’d need an unnecessary primary care appointment just to get an OB referral.

Once they understood the expected costs and trade-offs, the choice was clear. Paying a little extra to stay with the doctors and hospital system they trusted, they both confidently opted for the second plan and will welcome their new baby into it.

Clear choices in a time of uncertainty

Without Predictabill, they would have spent several nights trying to make sense of plan details. Instead of searching Reddit for advice, Predictabill showed them clear options.

“The benefits election process is just stressful. It sneaks up every year, and you have two weeks to make big decisions with an overwhelming amount of information. Predictabill compares your options and puts you in the driver’s seat. It helps you feel you’re navigating the process, not being forced through it without information.”

With uncertainty around pregnancy, Predictabill reassured them they were making the right choice for their family.

“Predictabill gave me confidence going into my first time having a baby and wondering how it was all going to work, because it was the biggest medical event of my life. It gave us a sense of control. We were making a choice and thinking through the options, not just going with the default.”