Health Insurance + TTC/Babies

Jean9ds · December 2013

Alright, let's talk about health plans. What health plans do you have, and (for those with little ones) how did they go during pregnancy and through delivery? Pros and cons you found about the different plans for childbirth and babies? I've read a lot online about hypothetical situations, but figured I'd ask first hand people who I know have had babies and kids

one2andnow3 · December 2013

I am no help. I have no insurance right now. Hopefully Obama care will change that. As for when I had kids I had insurance through the state. Since my wages are commission based.

jjbmstinco · December 2013

I have been on my mom's insurance for like 12 years Blue Cross Blue Shield. Then when I got married I came off BCBS and went with United. It was with my school district, so I just took it. It wasn't great insurance but it was all I had. Now my school district switched to BCBS. It is amazing. All blood work is at no cost to you. My school counselor friend at the middle school said that it will cost her about $100.00 to have the baby on our insurance. Once I have the baby, I have to start paying $530/month, but a lot of covered. BCBS also covers a breast pump 100%.

J has an HSA account. Its horrible. His district only puts $750/yr. Thats it. and nothing is covered until he hits his deductible-$3,500.

My mom works for BCBS so if you have any questions specifically, let me know and I can give her a call.

one2andnow3 · December 2013

My hubs company pays for his but $850 a month to add me and the kids

jjbmstinco · December 2013

To add a baby and J to mine it is 1300/month. When Am 66 and a mill levy not passing...budget cuts are on the horizon. I am thinking they will cut some sort of health insurance.

IDK what it would cost to add me to J's but I don't think its worth researching.

one2andnow3 · December 2013

Insurance is ridiculous! I don't know how people afford it.

jjbmstinco · December 2013

It truly is... I was trying to get a 90 day mail order supply for his meds. I couldn't even figure out the website. I can't imagine being older and having to do that.

I am for universal health care like the EU. If we had that, I wouldn't mind taxes going up. But thats just my opinion.

one2andnow3 · December 2013

I agree I want to move to Canada or Europe

Jean9ds · December 2013

Thanks you guys for posting! I'm still on my parent's health insurance. My sister is still on it, so it's no extra money to have me on it as well. And Kaiser is in California. Easier to stay with the same doctor down in California than moving over to Jared's and get a temporary doctor down here for a few months before moving to Washington.

Jared currently has an HSA account. We pay $22/month for him. High deductible, but for someone young and healthy we have no other fees besides that. Also, we can put pretax money away into a savings account (along with the company putting $500/year in it). When I get added on, the HSA account per month fee would go up to $140/month. With kids (no matter the number) it'll be $232/month. The Deductible is high (1500 for Jared, 3000 for when I get added on). Then out of pocket minimum is same. After the deductible is paid, we'd pay 10% of the total medical costs until the next 3k is reached. so max we'd pay in a year is 6k, if things get really bad.

Just trying to figure out if we should stay with this >.< Basically the HSA is nice putting pre-tax money away that we can use on deductibles, copays, meds, etc. And it also helps lower our yearly income, helping with taxes.

Health insurance is like gambling. Rolling the dice guessing how much you'll need... I hope all that stuff made sense haha

jjbmstinco · December 2013

I would look at how much it costs to have a baby in the area. His insurance sounds worse than J's. J's co worker has a baby 9 months ago. It cost him $13,000 total. They didn't have that much saved up in the HSA, so a lot of it was OOP.

When do you have to come off your parent's insurance?

Jean9ds · December 2013

I'll come off my parents the same time I go on Jareds: April 1st, 2014.

There's no way we'd pay $13,000. Our deductible plus out of pocket max combined would be $6,000. The rest, our insurance would cover after that.

Jean9ds · December 2013

Oh and the annual visit, preventative care, etc is included in the health plan. No cost to us

jjbmstinco · December 2013

Is that just for labor and delivery? I wonder if they consider all the check up appointments co pays?

Jean9ds · December 2013

The appointment copays and labor delivery would count towards the $3,000 deductible. All medical expenses, appointment, hospital, etc, would count towards this. If we reach the $3,000 deductible, we would then pay 10% of all costs until the $3,000 out of pocket maximum is reached. Then all is 100% covered.

I hope that made sense haha.

Jean9ds · December 2013

So choosing random numbers:

If appointments costs $100 bucks each, we pay that out of pocket (can use HSA account). If by labor and delivery, it costs $1,000, we pay that out of pocket (can use HSA account). If we pay $3,000, we would pay 10% of all medical expenses after because of the "out of pocket maximum". Like if we had labor and delivery cost $5,000 after the deductible was already reached, we would pay $500. If what we pay with the 10% reaches the $3,000 out of pocket max, we're good to go, and the health insurance covers 100% after that point. During which case would be a good time to get surgeries etc haha

one2andnow3 · December 2013

I need to start searching for insurance. DH made a point to say he really wants one more. I have been on the fence since the miscarriage because I was so sad. I didn't want to take the risk again, but I think it's something DH really wants.

ImperiumWife · December 2013

I am still on my parents plan, but J has his own plan. Reading your responses, I seem to be extremely lucky, and so does J. He pays about $40 a month, and gets almost everything covered. I don't know what it covers as far as maternity though.

shellyamf · December 2013

I was on my own insurance at work which was amazing. They paid 80% of all costs associated with check ups and labor and delivery. I got put on P's insurance effective the day I had Lily so they covered a little of the hospital expenses. I think we ended up paying about $2000 maybe $2500 when it was all said and done. But I broke up those payments and made one at every doctor visit so my doctor was fully paid before I delivered. Between our insurances my epidural was fully covered.

Now I don't work - so no awesome insurance there. And P's insurance was comparable to mine but they changed effective July 1, 2013 and it really really sucks. We have a 6000 family deductible broken down to 2000 per person. They will pay for preventative care like Lily's shots and stuff, but otherwise it's all out of pocket until we meet our deductible. Which we won't unless something happens. I'm not sure what they cover to have a kid. Once we are moved I'm going to look into it and also into other plans for Lily and I to see if I can find anything better.

Health Insurance + TTC/Babies

Re: Health Insurance + TTC/Babies

Choose Another Board

Search Boards