Insurance Costs

CarlaAndJames

Just curious, what does a dependent cost on your insurance?

We just got the updated costs for ours today, and it's $472/month, and the insurance does not cover any wellness care. Hoping to hear DH's is a bit better but I was curious what the norm is.

KelXoXo

I have no idea, but I should add that to my list of things to figure out.  Is it not a given that insurance sees I'm pregnant?  Do I need to formally notify them I'm adding a baby when its born?

M&M227

That sucks.  Sorry to hear that.  I'm really not a good example.  I'm a teacher and get state coverage for my entire family (spouse, dependents and self) for 1.5% of my pay.  So I think I pay $35ish a pay.  This is the first year we have to do this, previously insurance was free.  I'm extremely thankful for my benefits.

M&M227

KelXoXo:

I have no idea, but I should add that to my list of things to figure out.  Is it not a given that insurance sees I'm pregnant?  Do I need to formally notify them I'm adding a baby when its born?

 

Yes, you need to add baby usually within 1 month of birth.  Usually you need to fax or send a copy of the birth certificate and fill out some paperwork.

CarlaAndJames

My husband is a teacher, so I'm crossing my fingers hoping his is better than mine. His is a small amount each paycheck for himself (they have free coverage, he pays for an upgrade), and mine is completely free through my company. We've been spoiled not budgeting for insurance!

The no wellness care is whats really getting to me, someone else up here had to get separate supplemental insurance for his daughter because the well-baby visits were costing him a fortune!

jen&jay07

I'm right there with you, ours will be 472/month for me, DH and baby and any future babies. We will all be going on my insurance because it's cheaper than DHs. It will be about 225 more a month than we are paying now.

M&M227

That's ridiculous.  Well care should not be expensive.  Isn't the point of well care so that you don't eventually get sick?  Or so that things that could be serious could be found and treated early.  And therefore cost the insurance less in the long run....dumb. 

kygirlintx321

My hubby does not have insurance through his employer, but has it through the Government (Tricare) since he's part time in the National Guard.  We pay 198 a month and that includes "family" no matter the number of dependents.  Hands down the BEST insurance I've ever had, although I hear it's much better than the people who are full time with Tricare. 

DreamChaser246

KelXoXo:

I have no idea, but I should add that to my list of things to figure out.  Is it not a given that insurance sees I'm pregnant?  Do I need to formally notify them I'm adding a baby when its born?

Yes, you need to tell them. In CA we have 30 days from when the baby is born to add them to insurance (change in family status). They need the name and details of the baby, they cannot just assume.

march2008

My insurance premium is going to be the same when we add the baby as it is currently for DH and I. Our plan is just either "Self" or "Self plus Family" and it doesn't matter how many there are in your family. My monthly portion will be $431.60.

KelXoXo

M&M227:

 

Yes, you need to add baby usually within 1 month of birth.  Usually you need to fax or send a copy of the birth certificate and fill out some paperwork.

Thanks.  Enough with pushing the labor classes on me, I need a class about stuff like this.  I would have never even thought to ask about that, ugh.  Thank you!! 

Telly21182

Once we add the baby I think our insurance will be roughly $200 a month.  Thankfully DHs work has a healthy lifestyle discount on insurance and since we're both healthy and neither of us smoke we get a hefty discount.  

MommaA117

For DH's job its $650 with a 5k deductable We opted against it because we thought it was ridiculous.

mommy411

Oh ya add baby asap! When we had DD I had NO IDEA to do this. She was in the NICU for 8 days so I fugured she would be covered under my insurance..Well nope! I had to pay an addition 475 for that month to do a retro so the insurance would pay the 100,000 dollars she cost! We had her on DH's insurance also but mine is way better. It was a nightmare.

loloindiego

I'm extreeeemely lucky. My dh has awesome insurance, and it won't cost us anything to add both babies onto our insurance.

ShangriLaRose

M&M227:

KelXoXo:

I have no idea, but I should add that to my list of things to figure out.  Is it not a given that insurance sees I'm pregnant?  Do I need to formally notify them I'm adding a baby when its born?

 

Yes, you need to add baby usually within 1 month of birth.  Usually you need to fax or send a copy of the birth certificate and fill out some paperwork.

 

I also feel extremely lucky... we're a military family, so we pay out so much a month, but we're covered. It's not always the best insurance, but it's much better than nothing at all, and when it comes to the pregnancy, I'm completely taken care of.

But my reason for the quote: I agree w/ the answer... you have to notify the insurance company within 30 days of birth to add them to your insurance. Usually they want a copy of proof of birth or an actual birth certificate. (Call and talk to them BEFORE you have the baby, so you can find out what your insurance wants specifically... they may need to send you paperwork, let you know how much extra it is going to cost, etc.) This is how our insurance through the military is, too.

jamiebball

My hubby is a federal gov't employee, and it does not cost us anything to add children.  Since we are already on the "family" plan (which is bogus since it is just he and I) our rates already include dependents. I will still need to call and add baby, but thankfully, the rates won't go up.

PhotoCat82

I guess I am super lucky b/c I am the manager and my premiums will be 100% employer paid.  I don't get why the insurance would not cover the well baby visits.  That just seems crazy to me!

LoriD10

kygirlintx321:

My hubby does not have insurance through his employer, but has it through the Government (Tricare) since he's part time in the National Guard.  We pay 198 a month and that includes "family" no matter the number of dependents.  Hands down the BEST insurance I've ever had, although I hear it's much better than the people who are full time with Tricare. 

Thankfully my husband and I don't pay for insurance. He's active duty Marine. Not sure why everyone says TriCare is horrible, even for active-duty its the best insurance we've ever had, you just have a few stipulations depending on what coverage you have but all in all you get the same care.

Turtle143

I work for the health department and my dependents will be covered for free. I pay $50/month for DH to be on my insurance.

ausgal

Well, my insurance would probably be cheaper to add my baby to since I am a teacher and our school district contributes to the insurance cost, but since I am hopefully going to be staying at home, we got out the husband's insurance policies today and looked over them.. To add the baby to his is about 310 a month with a 5k deductible, to do the family plan is 489... ouch, but just found out my husband is getting a raise with the new year that actually covers the difference in this added expense every month! 

DaisyJanie

Ours will only be an extra $50/month, thank goodness. I've heard it's a hassle to get the hospital to bill the right insurance if the baby is on a different plan than the mother (ie, the fathers) so pay attention to that if you're in that situation.

KallieandJustin

We have an awesome deal for our insurance.  It is just under $500 per month for our entire family, but since my DH's job gets free healthcare (he got that job after we started on my insurance) so we get reimbursed for all of our insurance costs whenever we take one of my paystubs in to his HR department.  So so thankful....

Roni.Cedra

My work covers my spouse and family. I feel very lucky that this is the situation.