I agonize over which insurance plan to go with every year, and this year we have a daughter on the way. My wife and I currently have nothing that requires specialists, regular treatment, or major procedures other than the baby. She will be born about a month before our current HSA plan year ends, so most first year care for baby and my wife will happen in the new plan year. What am I not considering that would help make a decision? What would you chose?
High Deductible HSA
National Blue across Blue Shield network $24/month premium $3k family in network deductible; $6k out of network $6k family max out of pocket in network, $12k family max out of network we pay everything before deductible, then 15% coinsurance up to max prescriptions we pay 20% coinsurance up to max we try to hit HSA max contribution no referral requirement
Employer “Exclusive” HMO Plan
Limited to statewide network but emergency is covered out of state. No out of network coverage. $125/month premium $250/person $750/family aggregate deductible $8700/person and $17400/person out of packet max $30/$40 copays $250 emergency room care prescriptions $15-$50 depending on tier requires PCP and referral
We have been on the HSA for four years and maxed out our HSA without paying much for care, except for this year with prenatal and delivery. The low deductible of the HMO is appealing with a baby on the way and no idea what expenses we will have, but the max out of pocket is scary. That should only come into play if we had to go out of state for specialists, otherwise the statewide network is very good with a large university and large private hospital systems.
Baby is due next month while we are still on our current plan, open enrollment is this month, so we would have an opportunity to change again when the baby comes.
submitted by /u/observationlounge
[link] [comments]I agonize over which insurance plan to go with every year, and this year we have a daughter on the way. My wife and I currently have nothing that requires specialists, regular treatment, or major procedures other than the baby. She will be born about a month before our current HSA plan year ends, so most first year care for baby and my wife will happen in the new plan year. What am I not considering that would help make a decision? What would you chose? High Deductible HSA National Blue across Blue Shield network $24/month premium $3k family in network deductible; $6k out of network $6k family max out of pocket in network, $12k family max out of network we pay everything before deductible, then 15% coinsurance up to max prescriptions we pay 20% coinsurance up to max we try to hit HSA max contribution no referral requirement Employer “Exclusive” HMO Plan Limited to statewide network but emergency is covered out of state. No out of network coverage. $125/month premium $250/person $750/family aggregate deductible $8700/person and $17400/person out of packet max $30/$40 copays $250 emergency room care prescriptions $15-$50 depending on tier requires PCP and referral We have been on the HSA for four years and maxed out our HSA without paying much for care, except for this year with prenatal and delivery. The low deductible of the HMO is appealing with a baby on the way and no idea what expenses we will have, but the max out of pocket is scary. That should only come into play if we had to go out of state for specialists, otherwise the statewide network is very good with a large university and large private hospital systems. Baby is due next month while we are still on our current plan, open enrollment is this month, so we would have an opportunity to change again when the baby comes. submitted by /u/observationlounge [link] [comments]Read Morer/HealthInsurance