Hi! My husband and i have started trying to conceive! Hopefully will be blessed with a baby this year. I recently got a new job and I’m trying to decide rather to go on my husbands plan or my new job’s coverage. Only comparing in network at the moment.
My new job’s offers are as follows…
Health plan 1 Amount deducted from paycheck biweekly: just me: $76.52 Me + spouse: $239.85 Me + child: $181.21 Family: $351.06
Deductible: $750 for individual & $1500 for family
Most services including doctor office visits and inpatient hospital stays are sub to deductible then 20% coinsurance
Health plan 3(HSA) Amount deducted from pay biweekly: Just me: $57.57 Me + spouse: $189.40 Me + child: $141.87 Family: $270.04
Deductible: $1750 for individual & $3500 family
Same as before in regards to services except its 30% coinsurance after ded is met.
HEALTH PLAN 4(leaning towards this one) Amount deducted from pay biweekly: Just me: $94.14 Me +spouse: $280.59 Me + child: $215.82 Family: $412.06
Deductible: $500 individual & $1000 family.
Doctors visits are a set $30 copay & specialist are $50. Everything else is 10% after deductible
Note: for health plans 1 & 4, once individual meets ded, coinsurance starts only for that person. Health plan 3, once it met by 1 or combination of all, then it starts for everyone.
Then my husbands employee offers only one type of insurance.
Amount from pay biweekly:
Just him: $77.74 Him + spouse: $171.02 Him + child: $140.20 Family: $252.05
Individual deductible: $3000 & family $6000
I am only conflicted on rather or not to go to husbands plan because after that high deductible is met, a lot of services are covered.
He has mostly copays. Doctors office is $25, and specialist is $40.
$100 for xrays, $35 for lab work. They even have a section for “if you are pregnant” and there are no charges after deductible for office visits, childbirth/delivery services from professionals as well as facility.
So i would just like some advice on which route i should take, mostly considering if we do happen to have our first baby in 2022. I know this is a long post, i really do appreciate anyone who will give any pointers/advice!!
Another consideration is that my husband actually goes to the doctor way more often then i do. I only went in 2021 to do bloodwork to make sure i was in a healthy state to have a child (husband did as well). No other visits besides that. My problems are mainly under dental and vision lol. But my husband often has medical problems such a foot pain, knee pain. Had surgery on his knee back in 2020 that cost a couple thousand. Makes me wonder if he should enroll in my plan come next open enrollment?
submitted by /u/lioness768
[link] [comments]Hi! My husband and i have started trying to conceive! Hopefully will be blessed with a baby this year. I recently got a new job and I’m trying to decide rather to go on my husbands plan or my new job’s coverage. Only comparing in network at the moment. My new job’s offers are as follows… Health plan 1 Amount deducted from paycheck biweekly: just me: $76.52 Me + spouse: $239.85 Me + child: $181.21 Family: $351.06 Deductible: $750 for individual & $1500 for family Most services including doctor office visits and inpatient hospital stays are sub to deductible then 20% coinsurance Health plan 3(HSA) Amount deducted from pay biweekly: Just me: $57.57 Me + spouse: $189.40 Me + child: $141.87 Family: $270.04 Deductible: $1750 for individual & $3500 family Same as before in regards to services except its 30% coinsurance after ded is met. HEALTH PLAN 4(leaning towards this one) Amount deducted from pay biweekly: Just me: $94.14 Me +spouse: $280.59 Me + child: $215.82 Family: $412.06 Deductible: $500 individual & $1000 family. Doctors visits are a set $30 copay & specialist are $50. Everything else is 10% after deductible Note: for health plans 1 & 4, once individual meets ded, coinsurance starts only for that person. Health plan 3, once it met by 1 or combination of all, then it starts for everyone. Then my husbands employee offers only one type of insurance. Amount from pay biweekly: Just him: $77.74 Him + spouse: $171.02 Him + child: $140.20 Family: $252.05 Individual deductible: $3000 & family $6000 I am only conflicted on rather or not to go to husbands plan because after that high deductible is met, a lot of services are covered. He has mostly copays. Doctors office is $25, and specialist is $40. $100 for xrays, $35 for lab work. They even have a section for “if you are pregnant” and there are no charges after deductible for office visits, childbirth/delivery services from professionals as well as facility. So i would just like some advice on which route i should take, mostly considering if we do happen to have our first baby in 2022. I know this is a long post, i really do appreciate anyone who will give any pointers/advice!! Another consideration is that my husband actually goes to the doctor way more often then i do. I only went in 2021 to do bloodwork to make sure i was in a healthy state to have a child (husband did as well). No other visits besides that. My problems are mainly under dental and vision lol. But my husband often has medical problems such a foot pain, knee pain. Had surgery on his knee back in 2020 that cost a couple thousand. Makes me wonder if he should enroll in my plan come next open enrollment? submitted by /u/lioness768 [link] [comments]Read Morer/HealthInsurance