Growing Family Looking For Health Insurance Advice

Hi Everyone – We live in Oregon. I heard about this page through a babybumps subreddit and I was wondering if you could help us choose the most financially responsible way to go with our insurances next year. Here is the situation (each piece of info on the insurances are attached in screenshots): My husband (30 y.o.): his employer provided United Medical Resources with 1 plan tier. He has MS, required 3 MRIs annually (lower spine, upper spine, head), and is on Tecfidera, 240 mg 60 gel caps a month. He will also be getting a colonoscopy and the one that goes through the mouth end in January. Myself (31 y.o.): my employer provides Regence BCBS with 4 tiers (Platinum 250, Gold 1000, Silver HSA 2000, Silver HSA Emb 3000). I am currently on Gold 1000. I will be giving birth to our first born in March 2021, but I am relatively healthy and only need OBGYN visits and then delivery the baby in March, and all the subsequent baby/mom doctor visits after that. What would be the best approach for us to take for getting the most out of our health insurances without owing an arm and a leg in medical expenses next year? We can both get on each other’s insurance and it just feels like there are too many options and we don’t want to choose incorrectly. If I need to clarify anything or provide more detail, please let me know. THANK YOU SO SO MUCH IN ADVANCE FOR ALL YOUR HELP IT MEANS THE WORLD TO ME AND OUR FAMILY. Happy holidays everyone! Husband UMR Details Wife Regence Tier Details Wife Regence Payment Details submitted by /u/Huih7345 [link] [comments]

Hi Everyone – We live in Oregon. I heard about this page through a babybumps subreddit and I was wondering if you could help us choose the most financially responsible way to go with our insurances next year. Here is the situation (each piece of info on the insurances are attached in screenshots):
My husband (30 y.o.): his employer provided United Medical Resources with 1 plan tier. He has MS, required 3 MRIs annually (lower spine, upper spine, head), and is on Tecfidera, 240 mg 60 gel caps a month. He will also be getting a colonoscopy and the one that goes through the mouth end in January. Myself (31 y.o.): my employer provides Regence BCBS with 4 tiers (Platinum 250, Gold 1000, Silver HSA 2000, Silver HSA Emb 3000). I am currently on Gold 1000. I will be giving birth to our first born in March 2021, but I am relatively healthy and only need OBGYN visits and then delivery the baby in March, and all the subsequent baby/mom doctor visits after that.
What would be the best approach for us to take for getting the most out of our health insurances without owing an arm and a leg in medical expenses next year? We can both get on each other’s insurance and it just feels like there are too many options and we don’t want to choose incorrectly. If I need to clarify anything or provide more detail, please let me know. THANK YOU SO SO MUCH IN ADVANCE FOR ALL YOUR HELP IT MEANS THE WORLD TO ME AND OUR FAMILY. Happy holidays everyone! Husband UMR Details Wife Regence Tier Details Wife Regence Payment Details
submitted by /u/Huih7345 [link] [comments]Read Morer/HealthInsurance