2016 Changes

vlagrl29 · December 2015

bmo88 said:

@vlagrl29: But it's more than just the baby stuff for the second child depending on ones situation. If you have to pay for day care, that could be an extra $12-$15k a year, then there is health care costs, food, etc. We will likely be in the "one and done" camp, but we will see what happens. It's partly financial and partly preference.

Yeah I understand that. I was just thinking of our situation. With me staying home we don't have day care charges. Assuming the next kid is healthy our health care won't be that much more. DH and I are both only kids so we've always wanted 2.

bmo88 · December 2015

vlagrl29 said:

bmo88 said:

@vlagrl29: But it's more than just the baby stuff for the second child depending on ones situation. If you have to pay for day care, that could be an extra $12-$15k a year, then there is health care costs, food, etc. We will likely be in the "one and done" camp, but we will see what happens. It's partly financial and partly preference.

Yeah I understand that. I was just thinking of our situation. With me staying home we don't have day care charges. Assuming the next kid is healthy our health care won't be that much more. DH and I are both only kids so we've always wanted 2.

Our healthcare plan charges $300 a month per dependent, so having a second would be an extra $3,600 alone for health insurance. I make double what DH makes so I won't stay home, and DH isn't interested in it either. So childcare would be a huge extra expense for us.

vlagrl29 · December 2015

bmo88 said:

vlagrl29 said:

bmo88 said:

@vlagrl29: But it's more than just the baby stuff for the second child depending on ones situation. If you have to pay for day care, that could be an extra $12-$15k a year, then there is health care costs, food, etc. We will likely be in the "one and done" camp, but we will see what happens. It's partly financial and partly preference.

Yeah I understand that. I was just thinking of our situation. With me staying home we don't have day care charges. Assuming the next kid is healthy our health care won't be that much more. DH and I are both only kids so we've always wanted 2.

Our healthcare plan charges $300 a month per dependent, so having a second would be an extra $3,600 alone for health insurance. I make double what DH makes so I won't stay home, and DH isn't interested in it either. So childcare would be a huge extra expense for us.

wow that's a lot to add a kid on your health plan. Did you ever think of buying your kids health insurance outside the company into the private market - I bet you could get it for way cheaper.

bmo88 · December 2015

vlagrl29 said:

bmo88 said:

vlagrl29 said:

bmo88 said:

@vlagrl29: But it's more than just the baby stuff for the second child depending on ones situation. If you have to pay for day care, that could be an extra $12-$15k a year, then there is health care costs, food, etc. We will likely be in the "one and done" camp, but we will see what happens. It's partly financial and partly preference.

Yeah I understand that. I was just thinking of our situation. With me staying home we don't have day care charges. Assuming the next kid is healthy our health care won't be that much more. DH and I are both only kids so we've always wanted 2.

Our healthcare plan charges $300 a month per dependent, so having a second would be an extra $3,600 alone for health insurance. I make double what DH makes so I won't stay home, and DH isn't interested in it either. So childcare would be a huge extra expense for us.

wow that's a lot to add a kid on your health plan. Did you ever think of buying your kids health insurance outside the company into the private market - I bet you could get it for way cheaper.

It might be something we would have to look into. Our plan is great for employees (only $80 per month), just terrible for dependents. It caps at 2 dependents, so the most would be $680 per month, but that is still a lot. DH works at the same place and it wouldn't make sense for us to be on the same plan together.

brij2006 · December 2015

bmo88 said:

vlagrl29 said:

bmo88 said:

vlagrl29 said:

bmo88 said:

@vlagrl29: But it's more than just the baby stuff for the second child depending on ones situation. If you have to pay for day care, that could be an extra $12-$15k a year, then there is health care costs, food, etc. We will likely be in the "one and done" camp, but we will see what happens. It's partly financial and partly preference.

Yeah I understand that. I was just thinking of our situation. With me staying home we don't have day care charges. Assuming the next kid is healthy our health care won't be that much more. DH and I are both only kids so we've always wanted 2.

Our healthcare plan charges $300 a month per dependent, so having a second would be an extra $3,600 alone for health insurance. I make double what DH makes so I won't stay home, and DH isn't interested in it either. So childcare would be a huge extra expense for us.

wow that's a lot to add a kid on your health plan. Did you ever think of buying your kids health insurance outside the company into the private market - I bet you could get it for way cheaper.

It might be something we would have to look into. Our plan is great for employees (only $80 per month), just terrible for dependents. It caps at 2 dependents, so the most would be $680 per month, but that is still a lot. DH works at the same place and it wouldn't make sense for us to be on the same plan together.

That's how my plan works too. It's $225/month to add a dependent, and you're charged for each dependent. So once we have a 2nd child, the kids will go onto H's policy since it will bump him to a family plan and it's the same cost no matter how many children he puts onto it.

We tried quoting for an individual plan, and it's even more expensive and the coverage is crap. We were wanting a major medical plan for DD. The cheapest we found was $189/month. My current deductible is $1,000 for individual and $3,000 for family. That plan was $8,000 for individual, but no max OOP (the $8k is the max). Wasn't worth switching.

Our renewal is in March though. We'll see how much more it goes up.

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