Ugh, health insurance sure confuses the hell outta me!

We are under my husband's health insurance, and it is "open enrollment" time, when we have a week to make changes to our plan. We currently have Blue Cross Blue Shield PPO-80 plan, with an 80% benefit level. I figured that since we will TTC next year, it might be a good idea to switch the PPO-90 plan with the 90% benefit level (the highest his company offers), which is $80 more per month for the 2 of us.

So with the 80 plan, we have a $1,500 deductible, and a $4500 out-of-pocket maximum. But then it says they only cover 80% of hospital visits? But I have no idea how much having a baby costs, including all the doctor's visits, hospital stay, etc. Or is $4,500 really the max I should expect to pay?

The husband doesn't think it's necessary to upgrade to the 90 plan, which is an extra $960/year ($80 x 12)... but I'm not so sure. Will I end up spending more than that $960 if we stay on the 80 plan? FYI, on the 90 plan, the deductible is $900, but the out-of-pocket max is the same, $4,500.

Are you still with me? All these numbers, haha... can anyone help shed some light? Thanks!