healthcare if you're staying home??

Re: healthcare if you're staying home??

• eaglesfan700 member

  August 2009

  We decided I should SAH after DS was born, so I have been home ever since.

  We are all on my DH's plan, which sucks compares to my old plan.  The good news is, we already hit the maximum for his portion of the premium with DS, so when DD was born nothing changed.

  I know I should feel lucky that we have decent healthcare. But even though we don't pay that much upfront,we will end up paying way more out of pocket.
  

  
  DS 3.12.08
  DD 7.11.09
  DD 8.01.13

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• mzovoce member

  August 2009

  Does the $1000 cover you AND the baby or is that just you? I would check out some other options. I know State Farm sells health insurance, but I would probably look up a broker who can price several options through different companies. Get 3 or more quotes and compare plans and prices.
  

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• delvec13

  September 2009

  hey there

   I worked in benefits and to me its sounds like the 1000 is the family rate per month  for a PPO plan thats not too bad- I am thinking its a BCBS plan?   When his plan comes up for renewal which most do re-enrollment in the fall or late spring see if they offer an HMO plan as well-- most companies over 25 lives give a choice of medical plans

  what you need to consider is the following

  1) what is you deductible in and out of network

  2) what is the coinsurance or copay

  3) what is the RX plan

  let me know if you have any questions

   

   

  3) also

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