3rd Trimester
Jazzyashes84
member
Health Insurance Cost Survey
Jazzyashes84
member
How much will your total health insurance (medical, dental & vision) be per month for :You, Your Spouse, and Baby to come (or family if you already have kids)
a) less than $250/month out of pocket (or paycheck) for all of you
b) $250 - 400/mo out of pocket (or paycheck) for all of you
c) more than $400/mo out of pocket (or paycheck) for all of you
My employer does not provide health insurance so I am under my husband's Aetna work plan. For me and the baby it is going to cost $515/mo for total health insurance.
letter C for me.
TTC#2: 8/17/14 // BFP: 9/5/14
TTC#1: 7/30/11 // BFP: 8/22/11
DS: Carson Robert 4/29/12
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Re: Health Insurance Cost Survey
Sadly right now I'm on cobra just to cover this pregnancy, my DS is actually uninsured ATM but we will all be put on a family plan once DS #2 is born.
I am paying about 500 bucks a month just for myself right now... highway F'ning robbery. Health insurance in this country is a freaken joke.
Also wanna note I could not go onto hubbies insurance as pregnancy is a pre-existing conditon still if you are not working.
Thankfully we found out I was pregnancy RIGHT after I lost my job so I was able to get cobra to cover it.
By lilenatalem at 2012-01-28
A: DH works for the city and he has amazing benifits. Before we were married I had insuracne through my job. I was paying the same amount that he pays for both us us now.
Married my best friend 5/2/2008
TTC our first miracle since November 2010
BFP 3/16/2011 Chemical Pregnancy 3/20/2011
B- Baby will be on my policy $215/mo, DH will stay on his own policy through his employer $80/mo.
It would have been $400ish/mo for the 3 of us to be on the same policy.
D - None of the above for me. I'm Canadian, so I don't pay anything
Me (32) DH (30)
A Wordy Blog
Baby Evangeline is here!
A. I opted to go with the slightly higher deductible this year which will end up saving us a ton. We'd basically have to have major surgery (outside of L&D or a c/s) for us to not come out ahead. We will pay $93 per pay check so $186 per month.
Prior to this year we were paying upwards of $160 per pay check for a slightly lower deductible. We are PPO though, we don't have copays.
love is for every her, love is for every him, love is for everyone
I have an Anthem PPO - "Family Plan"
Monthly Premium - $2,107.35
Employee Monthly Cost - $556.34
Delta Dental - "Family Plan"
Monthly Premium - $183.91
Employee Monthly Cost - $40.46
Vision - "Family Plan"
Monthly Premium - $18.74
Employee Monthly Cost - $11.34
My FIL runs a corporation where all family members are covered but we opted for my company's plan instead because it was better than what he could offer us, so he in turn pays us back for our insurance costs. In the end it's all free.
I'm A. I work for a non-profit, and there is no payroll deduction for single coverage for our HMO. I will be adding my husband during open enrollment, and my baby will be born around the same time, and the total biweekly deduction will be $15 for the whole family. Copays for many appointments are fairly high at $40 (well child will be $30), but we can use the FSA for that. And it maxes out at 10 times the copay (or $400) for the pregnancy.
Dental and vision is included in the $15 biweekly deduction. There is no copay for either as long as they are routine check-ups.
I feel very lucky to have this coverage!!
Our is just over 400 a month, so C I guess but it isn't over by all that much. When we had the HSA I put in 125 per pay and paid about 30 a pay for the "PPO" portion of the plan, obvs that was cheaper but the insane amount of bills we received plus the high insane deductible was ridiculous. When my husband got his new job this was much better. Maternity is 100% covered, no co-pay even (and if I went out of network I'd still be 100% covered), radiology etc etc all 100% covered without meeting the deductible, without co-pays. It's really awesome insurance. So far my DD has had two radiology procedures and has been seen by a specialist (she does every year) and we haven't had to pay a dime. On my HSA we were basically paying bills left and right and it took about 1200 out of HSA for her stuff. Before we switched I had to pay for all my doc visits for maternity any and all u/s even if they were "necessary" and on top of which since I am due at the beginning of march I'd have to make our 2500 deductible at the beginning of the year since it would reset Jan 1.
So happy to be paying $400+ for the awesome insurance we have now, I wouldn't switch back to an HSA ever again.
Unfortunately it's C as well
I'm afraid because I doubt my employer will pay for my DH or lo
C. this covers a 2400 deductible, 80% thereafter, 7500 OOP maximum
with my last DS i was in teh hospital a lot with PTL and had home health services as well, we ended up paying 10k for the OOP maximum and the deductible. it was tragic.
We are on the family plan already so over $500. Baby 2 won't cost any extra.
However it is an amazing plan and we never pay anything out of pocket except for co-pays. Baby #1 cost us $15 and baby #2 will cost $25.
This, we do the HSA at DH FD and he puts in 180 a month to the HSA but its still our money frankly so its all good. We met more than half the deductible using the HSA funds via teh OB contract...and I know we will have some to meet from the delivery but at least we know what we have to spend-then everythings covered
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B.
But that only covers my husband and the baby, not me. Also it does not cover vision or dental or prescriptions. I don't think I even know anyone who has vision or dental insurance anymore.
Mine is B . . . but we the insurance pretty much sucks. It's better than nothing, but outside of wellness visits, I have to pay for 30% of all care until I hit the max out of pocket which I think is $5000. So I have already paid $2,200 this year in ultrasounds and lab visits and then will probably have to pay another $3,000 - $5,000 for the doctor fees and the actual deliveries.
This is on top of having to pay the premium every month. Oh well, just have to remember that it would be MUCH more expensive if I didn't have insurance
A) It will be $60/paycheck for me (so $120/month) for family coverage - medical, prescription, dental, vision, life, short-term disability and critical-illness. No dedcutible, co-insurance or co-pays.
I'm really lucky and have got great insurance. My maternity only costs $20 from 1st appt through delivery and follow-up...and I'm lucky enough to have great and nationally-ranked hospitals around here, too.