I’m giving birth in Feb & open enrollment at work is here. I’m trying to choose between these two options, taking into account that I will be adding my newborn onto my plan after her birth. From all I’ve researched on here it seems that if you giving birth you will probably hit your OOP for the year so the lower premium/higher deductible ends up being best in the long run? I’m also aware that adding the newborn means that she will have her own OOP to meet from the hospital stay as well.
Any advice on the 2 plans listed below? I really appreciate it. Ty!
Also, if anyone knows of some nifty calculator/spreadsheet where I can just input various scenarios that would be awesome!
Value Plan Premium Plan
Employee $ 45.00 biweekly $ 139.00 biweekly
Employee + Child $ 119.00 biweekly $ 276.00 biweekly
Individual Deductible $ 1,500.00 $ 400.00
Family Deductible $ 3,000.00 $ 800.00
Individual OOP $ 5,000.00 $ 5,000.00
Family OOP $ 10,000.00 $ 10,000.00
CoInsurance pay 30% pay 0%
Maternity pay 30% 100% covered after deductible + $350 confidement both mom
& child
submitted by /u/Foxxanne
[link] [comments]I’m giving birth in Feb & open enrollment at work is here. I’m trying to choose between these two options, taking into account that I will be adding my newborn onto my plan after her birth. From all I’ve researched on here it seems that if you giving birth you will probably hit your OOP for the year so the lower premium/higher deductible ends up being best in the long run? I’m also aware that adding the newborn means that she will have her own OOP to meet from the hospital stay as well. Any advice on the 2 plans listed below? I really appreciate it. Ty! Also, if anyone knows of some nifty calculator/spreadsheet where I can just input various scenarios that would be awesome! Value Plan Premium Plan Employee $ 45.00 biweekly $ 139.00 biweekly Employee + Child $ 119.00 biweekly $ 276.00 biweekly Individual Deductible $ 1,500.00 $ 400.00 Family Deductible $ 3,000.00 $ 800.00 Individual OOP $ 5,000.00 $ 5,000.00 Family OOP $ 10,000.00 $ 10,000.00 CoInsurance pay 30% pay 0% Maternity pay 30% 100% covered after deductible + $350 confidement both mom & child submitted by /u/Foxxanne [link] [comments]Read Morer/HealthInsurance