My wife is expecting with a due date of 12/31 and we are in the process of selecting our insurance for open enrollment (we live/work in Virginia). I have historically gone with a high deductible plan and she has a high premium/low deductible plan, but having difficulties estimating what our costs are going to be like, especially if the baby comes at the end of 2021 vs 2022. To add another factor, we are currently on separate employer subsidized plans, but would probably look to combine onto 1 plan after the baby comes. Any advice is welcomed and I have below some of our options. We also have the funds to cover up to the out of pocket max without issue.
Someone in another thread also mentioned the “Birthday Rule.” Is this state specific? We were under the impression that the baby would just go under my wife’s insurance in the event that the baby is born while we are on separate insurance plans, but now thinking that might not be the case.
High Deductible (info for this plan and the rest includes full family)
Premium – $93.75 every 2 weeks Deductible – $3,500 OOP Max – $6,000 Employer HSA Contribution – $750 20% coinsurance for most things
Basic PPO
Premium – $144.35 every 2 weeks Deductible – $1,600 OOP Max – $6,000 $30/$40 co-pay for primary care/specialist & urgent care 30% coinsurance for most things
Middle of the Road PPO
Premium – $227.30 every 2 weeks Deductible – $800 OOP Max – $4,000 $25/$35 co-pay for primary care/specialist & urgent care 20% coinsurance for most things
No Deductible (no out of network coverage)
Premium – $291.03 every 2 weeks Deductible – $0 OOP Max – $3,000 $25/$35 co-pay for primary care/specialist & urgent care 10% coinsurance for most things
submitted by /u/stubie77
[link] [comments]My wife is expecting with a due date of 12/31 and we are in the process of selecting our insurance for open enrollment (we live/work in Virginia). I have historically gone with a high deductible plan and she has a high premium/low deductible plan, but having difficulties estimating what our costs are going to be like, especially if the baby comes at the end of 2021 vs 2022. To add another factor, we are currently on separate employer subsidized plans, but would probably look to combine onto 1 plan after the baby comes. Any advice is welcomed and I have below some of our options. We also have the funds to cover up to the out of pocket max without issue. Someone in another thread also mentioned the “Birthday Rule.” Is this state specific? We were under the impression that the baby would just go under my wife’s insurance in the event that the baby is born while we are on separate insurance plans, but now thinking that might not be the case. High Deductible (info for this plan and the rest includes full family) Premium – $93.75 every 2 weeks Deductible – $3,500 OOP Max – $6,000 Employer HSA Contribution – $750 20% coinsurance for most things Basic PPO Premium – $144.35 every 2 weeks Deductible – $1,600 OOP Max – $6,000 $30/$40 co-pay for primary care/specialist & urgent care 30% coinsurance for most things Middle of the Road PPO Premium – $227.30 every 2 weeks Deductible – $800 OOP Max – $4,000 $25/$35 co-pay for primary care/specialist & urgent care 20% coinsurance for most things No Deductible (no out of network coverage) Premium – $291.03 every 2 weeks Deductible – $0 OOP Max – $3,000 $25/$35 co-pay for primary care/specialist & urgent care 10% coinsurance for most things submitted by /u/stubie77 [link] [comments]Read Morer/HealthInsurance