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July 2012 Moms
Another insurance question
I work for a small company without group coverage. We all just have individual Blue Cross plans and my boss pays half of the monthly premium. When I added maternity coverage this year the rep told me the best option would be a high-deductible plan because after I'd reached my $1900 deductible everything else would be covered 100%. Well, today I was talking with a co-worker and she totally freaked me out talking about how much wasn't covered with her pregnancy. Her deductible wasn't as high as mine and she had co-pays, but she said I should expect to pay a couple extra grand out of pocket.
I guess I'm just wondering if any of you are more familiar with insurance issues than I am and can give me an idea of what to expect. Thanks in advance!
I guess I'm just wondering if any of you are more familiar with insurance issues than I am and can give me an idea of what to expect. Thanks in advance!
This discussion has been closed.
Re: Another insurance question
I know for sure one of my friend that uses BCBS have to pay around $1500 out of their pocket for her individual health insurance. Her DH insurance was no good so they decided to use BCBS individual for her, I think that $1500 is already after the max deductible that she had under that plan.
Other than that I'm not really familiar with insurance, I do have to call my insurance too, to know how much we will pay out of pocket. I know for sure average of my friends that already have babies no matter if its BCBS, aetna, or preferred they all pay around $1500-$2000 out of pocket but then it depends on the states that you live in.
Living Well on the Cheap
Insurance company employee here...
If you're on a high deductible plan you shouldn't have any separate copays or other out-of-pocket as long as you stay in network. The high deductible plans have the high up-front deductible, such as yours of $1900, and then everything is paid at 100%. So since you will have a lot of claims this year, you will likely meet the $1900 fairly quickly and then any remaining claims will pay at 100%.
I think your co-worker has a completely different type of policy so it's like comparing apples to oranges. If she's on a "standard" PPO type policy with a lower deductible, she will have those additional copayments and such. You never know, too, if she utilized out-of-network providers or something. That can make your out-of-pocket skyrocket so pay close attention to staying in-network.
Living Well on the Cheap