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Re: NYE Randoms!
And I think it's time for me to return to the office next week.
-a heart at peace gives life to the body-
-a heart at peace gives life to the body-
On a related note, if anyone could explain the difference between a co-insurance max and out of pocket max, I'd be forever grateful. I have a 1k deductible, then prenatal care/delivery is covered 80% (I pay 20% coinsurance) and there is a 1k coinsurance max. So I assume everything after that is 100% covered. The "average birth" example my insurance packet includes shows a whole breakdown that results in me paying 2k total. But.... Where would my out-of-pocket max ($6k, I think) come into play?
I like being pregnant this time of year because its normal to have lot of snacks and hide the bump with lots of layers!
@Hummingbird125
I know with my plan one thing to keep in mind is my deductible, and out of pocket max are for the PLAN but is split over my husband and I.
We have a $600 deductible. I have met my $300 for the year, he has used none of it. So we have $300 remaining on the plan deductible, but anything I go for I have already reached the 80/20 level. I know the same is for the max ($7500) it is split between us.
You can ask the hospital to run your plan against their charges, and they should be able to generate an approximate bill.
Don't forget - the baby will have a bill too! So in my example above, the little will have a $150 deductible, I will have a $300, and my husband will too. (my plan jumps to $750 as a "Family" plan, a dependents have a lower deductible)
I hope that made sense... I spent like thirty minutes on the phone with my ins trying to understand.
BFP #2 8/22/12 | EDD 5/5/13 | DS1 born 5/9/13
BFP #3 4/25/15 | EDD 1/7/16 | MMC 7/2/15 @ 13w1d | D&E 7/8/15
BFP #4 12/9/15 | EDD 8/22/16 | DS2 born 5/18/16 at 26w2d
Just keep swimming.
We are telling our close friends tonight at a little get together we are having. Really excited to tell them! Especially since one couple just had their first child a few months ago and it'll be great to finally talk to a friend who has recently gone through what I have.
Met: 2005 | Started Dating: 2009 | Married: 2013
Surprise Pregnancy #3; BFP: 01.11.2020; Due Date: September 19, 2021
BFP #1: 08/17/2012 DD1 born 05/01/2013
BFP #2: 07/31/2015 M/C 09/23/2015 (11.5 weeks)