Link to plan options: https://imgur.com/a/xKXFuUn
I’m having to look at plans as we are about to lose coverage through my spouse’s former employer and I think I’m confusing myself. At first, I debated on my spouse and I getting on separate plans since we are hoping to try for a baby next year.
Him, on the cheapest plan through his employer since he is healthy and doesn’t utilize his insurance typically.
Me, getting on my cheapest plan (higher deductible) until open enrollment in November when I would switch to the lower deductible/OOP in anticipation of trying for a baby/delivery next year.
But as I was scrolling through the sub, I found that I may have been confused about how my plans worked. I assumed if I added my spouse, then we would have to hit the family deductible and OOP before insurance pays anything…but now I am wondering if (even with adding my spouse) I would only have to hit my individual deductible/OOP max before insurance would pay for me (after delivery costs etc.)
If we were on the same plan, would I only have to hit an individual deductible/OOP max before insurance paid their portion or would it have to be the family numbers?
If it’s the former, which plan makes the most sense for us to get on in a year we plan on having to pay for delivery of a child?
If only the family deductible/OOP is what counts, I will just get on my own plan until the child is born and then add my spouse on at the next open enrollment.
Below is info about the plans from my employer:
family deductible of $3,000 is an aggregate amount and single deductible of $1,500. This means all members covered on a family contract contribute toward the family deductible. One person alone may satisfy the full $3,000 deductible.
Thank you in advance and let me know if I am missing any important info!
submitted by /u/MotesNBoats
[link] [comments]
Link to plan options: https://imgur.com/a/xKXFuUn I’m having to look at plans as we are about to lose coverage through my spouse’s former employer and I think I’m confusing myself. At first, I debated on my spouse and I getting on separate plans since we are hoping to try for a baby next year. Him, on the cheapest plan through his employer since he is healthy and doesn’t utilize his insurance typically. Me, getting on my cheapest plan (higher deductible) until open enrollment in November when I would switch to the lower deductible/OOP in anticipation of trying for a baby/delivery next year. But as I was scrolling through the sub, I found that I may have been confused about how my plans worked. I assumed if I added my spouse, then we would have to hit the family deductible and OOP before insurance pays anything…but now I am wondering if (even with adding my spouse) I would only have to hit my individual deductible/OOP max before insurance would pay for me (after delivery costs etc.)
If we were on the same plan, would I only have to hit an individual deductible/OOP max before insurance paid their portion or would it have to be the family numbers? If it’s the former, which plan makes the most sense for us to get on in a year we plan on having to pay for delivery of a child?
If only the family deductible/OOP is what counts, I will just get on my own plan until the child is born and then add my spouse on at the next open enrollment. Below is info about the plans from my employer: family deductible of $3,000 is an aggregate amount and single deductible of $1,500. This means all members covered on a family contract contribute toward the family deductible. One person alone may satisfy the full $3,000 deductible. Thank you in advance and let me know if I am missing any important info!
submitted by /u/MotesNBoats [link] [comments]Read Morer/HealthInsurance