My husband was recently offered a new job with better pay, better hours and without an 1.5 daily commute. He accepted the position but that means we have to switch insurances in the middle of my pregnancy (10 weeks). Thankfully we haven’t paid much towards our deductible yet as I’ve only had one appointment. My question is regarding which plan we should choose with the new insurance…
The gold plan offers a lower detectible ($1000 individual / $3000 family) but higher out of pocket max ($5500 individual / $11000 family) with a 20% coinsurance.
The silver plan is a higher deductible ($3850 individual / $7700 family) but the out of pocket max is the same amount, so everything is theoretically covered 100% once the deductible is met.
The difference in premiums is $50 so not a big discrepancy. I’m actually leaning towards the Silver due to its lower out of pocket max, but am I missing something that we should choose the Gold instead? Is it typical to hit out of pocket max with a standard pregnancy?
submitted by /u/rkat369
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My husband was recently offered a new job with better pay, better hours and without an 1.5 daily commute. He accepted the position but that means we have to switch insurances in the middle of my pregnancy (10 weeks). Thankfully we haven’t paid much towards our deductible yet as I’ve only had one appointment. My question is regarding which plan we should choose with the new insurance… The gold plan offers a lower detectible ($1000 individual / $3000 family) but higher out of pocket max ($5500 individual / $11000 family) with a 20% coinsurance. The silver plan is a higher deductible ($3850 individual / $7700 family) but the out of pocket max is the same amount, so everything is theoretically covered 100% once the deductible is met. The difference in premiums is $50 so not a big discrepancy. I’m actually leaning towards the Silver due to its lower out of pocket max, but am I missing something that we should choose the Gold instead? Is it typical to hit out of pocket max with a standard pregnancy?
submitted by /u/rkat369 [link] [comments]Read Morer/HealthInsurance