Hi all,
Have a friend that’s overwhelmed with selecting an insurance policy for her pregnancy. Single mom, her income is very limited and she’s very stressed out with having to pick a policy.
I understand the difference between coinsurance and copay but it gets tricky with the different out of pocket maximums and hospital/childbirth service fees, etc. I know little about health insurance in general but hoping to help her out with this.
Her goal is to pay the least possible for the pregnancy/lab visits (gyno, ultrasounds, etc) and childbirth/hospital stay. She will use all in-network doctors, labs, and hospital. She is due in October.
She’s narrowed down her choices to these two plans:
BlueSelect 1443B – Approx $320/mo – deductible in-network: N/A (out of network $16K), Out of pocket maximum $2,850 (out of network $17K). Lots of 40% coinsurance (including hospital stay)
https://www.bcbsfl.com/DocumentLibrary/SBC/2021/1443B.pdf
VS
BlueSelect 2139 – Approx $200/mo – deductible in-network: N/A (out of network $500), Out of pocket maximum $8,550 (out of network $17K). Lots of copays (including hospital stay @ $3K per day – max $6K).
https://www.bcbsfl.com/DocumentLibrary/SBC/2021/2139.pdf
After reviewing both plans, it appears to me that the best option is the 1443B as it has an out of pocket maximum of $2,850. If I understand correctly, this is the maximum she would be out in a given year? Am I missing something?
Any advice or suggestions are very welcome. Thanks for the help!
submitted by /u/cryptbits
[link] [comments]
Hi all, Have a friend that’s overwhelmed with selecting an insurance policy for her pregnancy. Single mom, her income is very limited and she’s very stressed out with having to pick a policy. I understand the difference between coinsurance and copay but it gets tricky with the different out of pocket maximums and hospital/childbirth service fees, etc. I know little about health insurance in general but hoping to help her out with this. Her goal is to pay the least possible for the pregnancy/lab visits (gyno, ultrasounds, etc) and childbirth/hospital stay. She will use all in-network doctors, labs, and hospital. She is due in October. She’s narrowed down her choices to these two plans: BlueSelect 1443B – Approx $320/mo – deductible in-network: N/A (out of network $16K), Out of pocket maximum $2,850 (out of network $17K). Lots of 40% coinsurance (including hospital stay) https://www.bcbsfl.com/DocumentLibrary/SBC/2021/1443B.pdf VS BlueSelect 2139 – Approx $200/mo – deductible in-network: N/A (out of network $500), Out of pocket maximum $8,550 (out of network $17K). Lots of copays (including hospital stay @ $3K per day – max $6K). https://www.bcbsfl.com/DocumentLibrary/SBC/2021/2139.pdf After reviewing both plans, it appears to me that the best option is the 1443B as it has an out of pocket maximum of $2,850. If I understand correctly, this is the maximum she would be out in a given year? Am I missing something? Any advice or suggestions are very welcome. Thanks for the help!
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