Houston Nesties
Dear Community,
Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Private Health Insurance
Can anyone point me in the right direction to begin looking for private health insurance? I googled but it gives you hundreds of options and I don't even know where to begin. We are currently insured but my husband has been offered a great opportunity to be self employed but with a new baby I need to weigh our options first.
TIA!
Haydee
Re: Private Health Insurance
we used ehealthinsurance based on duchess and others recommendation. we really liked the site and were able to really narrow down our choices. I was pregnant at the time so DH had to wait until after the baby was born to actually get the coverage.
we ended up with Blue Cross Blue Shield of Texas and now have DH and DS covered on his policy. Its a pretty decent "high deductible" plan ($1200 I think) with HSA for a very reasonable price. We've been happy with them so far (had it about a year).
Previous posters have suggested what I believe is the best vehicle for obtaining PHI on the market.
If you have questions about the specific plans feel free to ask.
Great! Let me look into that website and I'll follow up if I need help with the plans.
Haydee
BFP #3 -mm/c @ 7wks, discovered at 9wks, D&C 9/28
Current Status: TTA
~~PGAL/PAL Always Welcome!~~
Ahhh, it's all so overwhelming. I'll have to sit down for awhile and delve through it all. I need to decide what options work best for our family.
Am I incorrect in assuming that none of these plans cover maternity? We just had a baby but would like one more in a few years.
that is correct.
This is correct. The only way a delivery is covered is if you have an emergency c-section (at least this was the case with our private insurance).
You aren't going to find a TX plan that covers maternity any time soon. There were one or two on the market but the cost was crazy compared to the ones without. You'd be better off negotiating the cost for an out of pocket delivery with your doctor and hospital. Remember you can put money into an FSA or HSA (which I prefer) that year and pay with pre-tax dollars. You can actually start putting money into the HSA now if you choose a high deductible plan for you or your family. No need to spend the money (although it's for all medical expenses.) Just use it as a medical savings account for when you have big payments like deliver.
Sorry I have so many questions. Does the money you put in an FSA or HSA rollover? We never had this at my previous employer so I'm clueless.
The HSA is awesome. We put money into it and then used the debit card/checkbook to pay for many PG-related medical expenses.
There's no "use it or lose it" with an HSA.