April 2014 Moms
MamaFantastic
member
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Health insurance quick poll
MamaFantastic
member
Curious to see where everyone stands, and the span of responses...
1) what basic type of insurance plan do you have? (Medicare, HMO, PPO, etc)
2) what is your individual annual deductible? (amount you must pay upfront before any coinsurance or copay kicks in)
3) what is your annual out of pocket maximum per year (the most you'll ever pay in a year outside of the actual cost to subscribe to the plan, assuming you choose in-network doctors who are providing covered services)?
4) what (if any) is your annual coverage limit?
1) what basic type of insurance plan do you have? (Medicare, HMO, PPO, etc)
2) what is your individual annual deductible? (amount you must pay upfront before any coinsurance or copay kicks in)
3) what is your annual out of pocket maximum per year (the most you'll ever pay in a year outside of the actual cost to subscribe to the plan, assuming you choose in-network doctors who are providing covered services)?
4) what (if any) is your annual coverage limit?
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Re: Health insurance quick poll
2. 0
3. &4. Dunno for sure but I don't think I have an out of pocket cap or a coverage limit
BFP#2 7/28/13 EDD 4/9/14 Birthday : 4/10/14 Adalyn Nanette
Baby Girl Born: April 2014
If you ask me what I came to do in this world, I, an artist, I will answer you:
2) $750 (last year was $2500 [-( )
3) I wanna say $4000
4) iiiiiidk
2) what is your individual annual deductible? $1,000
3) what is your annual out of pocket maximum per year? $3,300. This amount includes my deductible. Once I meet my deductible, it's $2,300.
4) what (if any) is your annual coverage limit? None.
2) 1500 deductible
3) 3000 max out of pocket.
4) no coverage limit
I pay l lot in each month towards my insurance. My employer will start to contribute more once I've been there two years though. So instead if $200/month it'll be $100/month.
DH just got a new job for a larger employer than I work for. Coverage kicks in around may 1st so baby and I are going on his insurance then because we'll pay less in each month for the same coverage I have now
2) $75 per quarter ($300/yr)
3) $1200/person or $2100/ family
4) $500,000 per person/yr
2. $0
3. $0
4. No limit.
Our insurance is one of the best part of my DHs job!
BFP #1 May 20, 2013 MC June 27, 2013 BFP #2 August 2, 2013 Baby Boy born 4/25/14 (3 weeks overdue!)
April 14 August Siggy Challenge- "This time last year.."
2. We don't have to meet a deductible before copay but our deductible before coinsurance is 6'000 individual/12'000 family.
3. No out of pocket. Once we meet our deductible insurance kicks in to pay 80% and that's it.
4. No coverage limit.
April '14 Siggy Challenge:
No deductible
3-4 my plan doesn't have
All prenatal and maternity care is covered 100%, no copay, except for a $250 copay when I deliver for the hospital stay. Having dh work for the governemnt does have some perks.
2. $150 a year individual deductible, $300 for entire family.
3. $1,000 OOP
Anything maternity is covered 100%, I'll just pay about $17 a day when I'm in the hospital after LO is born.
We could do Tricare Prime where everything is covered 100%, but my DS and I would have to go on post to for military doctors. We choose to spend $1000 a year instead and pick our doctors off post.
2) 2500 for the family, but we don't have to meet our deductible before copay.
3) none.
4) none.
We have awesome dual coverage insurance, and we put away pre-tax dollars to cover deductible costs, so we get "reimbursed" for any expenses. I have paid nothing out of pocket so far for this pregnancy.
Baby Girl Born: April 2014
If you ask me what I came to do in this world, I, an artist, I will answer you:
Started dating February 6, 2012
2. Will be $4,000 when I add the new baby. Becomes $400 after employer contribution (see below).
3. Will be $8,000 when I add the new baby (see below).
4. $0
My employer puts $3,600 into my HSA (assuming I participate in wellness initiatives) so my deductible is effectively $400. The plan pays 100% of medical costs after the ded is hit, so the OOP max could only be attained with astronomical RX costs.
No deductible in network, otherwise $250
No limit
We pay 120 a month for the two of us
$2 for prescriptions. 0 for everything else. No limit.
2) $1600 for just me when I add LO it will be $3200 for both of us
3) $3600 for just me when I add LO it will be $7200 for both of us
4) there is none.
DS, May 2011
BFP#2 7/28/13 EDD 4/9/14 Birthday : 4/10/14 Adalyn Nanette