June 2008 Weddings
Neena Mae. 1/7/10
"A baby nursing at a mother's breast is an undeniable affirmation of our rootedness in nature." - David Suzuki
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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.
Insurance Non-Clicky Poll (deductible amount)
If you don't mind sharing. How much is your deductible?
ETA: Health Insurance. Sorry I didin't specify. :-)
Neena Mae. 1/7/10
"A baby nursing at a mother's breast is an undeniable affirmation of our rootedness in nature." - David Suzuki
Re: Insurance Non-Clicky Poll (deductible amount)
Car or house?
For the house its either is $1500.
The cars are $500, I think.
for Health insurance we have the Blue Cross HMO, so we don't have a deductible.
Neena Mae. 1/7/10
"A baby nursing at a mother's breast is an undeniable affirmation of our rootedness in nature." - David Suzuki
My max OOP for the year is 2000. I'm grateful I have an August baby in my future, the bulk of my appointments will be in one calendar year and will all count toward that. (My first appt is the 23rd, so that should be my only for the year barring an issue). I'm sure it will be used.
BTW, totally jealous of no deductible..ours JUST went up! I guess it just varies state to state what they will offer, but I'm still just grateful to have a job with the state.
ETA: I support the midwife cause. I've started discussing things with H and, as far as birthing goes, I'm drilling it into his head that I'm the one pushing the baby out of my vag, I make the rules. Oh, you don't think its fair that my mom's there and yours isn't? Tough. Baby, vag, rules.
For health insurance, I have $0 deductible.
It's funny. I was chosing between this "basic" plan and the "preferred" plan both with the same carrier. The basic has no deductible and $0 copays for things like lab work, but it doesn't pay at all out of network. The "preferred" has a $300 deductible and pays 80/20 for lab work and things like allergy shots and has a higher premium, but it also covers partially for out of network providers (60/40).
I must have missed your BFP, Jenn, congrats!! Ours is only $750 but we pay more monthly for a lower deductible.
Are you wanting to have a homebirth this time around?
This with an out of pocket max of $1,000 for individual and $2,000 for family.
So, basically like for my pregnancy I paid the first $200, then was covered like 90/10 or something up to the OOP max, and then once I'd spent $1,000, I was covered 100%.
$4000 deductible, at that point they start paying 80/20, until we reach our out of pocket max for the year of $8000 and then they pay 100%.
ETA: The last two years the company has given us a $1500 deposit in our HSA account.
Cut the Crap - Weight loss journey of a Few Fat Chicks
I think ours is 4000 for our family
ETA: if I was under the school district's plan it is 6000 individual and 11,500 for family. Thank you voters who think teachers have it made
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This doesn't make sense to me b/c I have an HMO with a deductible. Anyway, mine is $350 (single) and I think $750/family with a max co-insurance of 2k.
Prepare to be jealous (HUGE sarcasm here)
My plan is $2,500 individual deductible, $7,500 family. Copays, office visits, specialists all do not count towards the deductible.
For this pregnancy it was 100% covered AFTER I met my deductible. So I knew up front it would cost me $2500. I had three trips to L&D during the pregnancy which each cost me $250 out of pocket and not towards that deductible. So that puts me at $3250 so far for my delivery.
Luckily, Miles is covered under me until the first of the year. Thank goodness.
Just WOW. I have never seen one that high. Good thing you teachers rake in the big bucks or you would all have be struggling...
My city offers an HMO or PPO. The PPO for us has a deductible and the HMO has none. So in my experience the HMO was no deductible and PPO was.. Guess thats not always the case?? But, for pregnancy, my insurance also covers 100% of the costs.
Cut the Crap - Weight loss journey of a Few Fat Chicks
$1250/person; $2500/family
Once we meet that, it's 100% coverage. But until that is met, we pay everything out of pocket. This means we don't have "co-pays," just the full amount. We have an HSA account set up through our bank that we pay our medical expenses out of. Then we can deduct that amount on our taxes.
Same!
Same.