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Insurance Argument
Open enrollment is here again, my husband and I battled this last year too.
We currently pay $490 per month, pre tax for a plan that covers 100%, no deductible, $25 co pay on everything
He wants to go with a plan that will cost us $330 per month pre tax, only covers 75%, $50 co pay on everything, plus a $300 per person deductible before it covers anything
I did the math and on Davis alone last year if we were responsible for 25% we would have owed out of pocket, $4500 for all his appts, surgery, etc.... Not including paying a deductible
I think J is mad because I proved him wrong. All it works out to us getting extra a month by dropping down a plan is a whopping $100 (because of the pre tax thing). I don't think he is looking into the big picture, he is just seeing a little extra $$ in his paycheck each month. In my opinion, not worth it. The plan we are on is obviously the smart choice here. Am I wrong? opinions?
Birth - 7 lbs. 7 oz., 20 inches
1 Month - 9 lbs., 5 oz, 21 inches
2 Months - 11 lbs., 4.5 oz, 23 inches
4 Months - 14 lbs, 1 oz, 26.5 inches
6 months - 16 lbs, 1 oz, 28.75 inches
9 months - 18 lbs, 6 oz, 29.25 inches
1 Year - 21 lbs, 6 oz, 31 inches
2 Years - 28 lbs., 37 inches
Re: Insurance Argument
Face
"Cheese!"
the max out of pocket is $3000 per person, so $9000 for all 3 of us
And yes, $50 will add up!! heck the $25 co pay we have now adds up