Hi all. I’m newly pregnant with my first and I need some advice on my Health Insurance plan.
There are two plans that are both good. Let’s call the first plan A and the second F
Type: A EPO, F POS Deductible: A $0, F $500 Coinsurance: A 0%, F 20% Out of pocket max: A $4000, F $3500 Childbirth Professional Services: A No charge, F 20% coinsurance Childbirth Facility Services: A $750, F 20% coinsurance
Plan A also has no charges for imaging and diagnostic tests where F has 20% coinsurance.
Plan F costs me about $100 more monthly, but also offers out of network coverage, whereas the A plan has absolutely no out of network coverage.
How important is it to have out of network coverage when pregnant? Is it something that will save me money down the line or can I ensure that all doctors are in network?
submitted by /u/ThrowAway403726
[link] [comments]Hi all. I’m newly pregnant with my first and I need some advice on my Health Insurance plan. There are two plans that are both good. Let’s call the first plan A and the second F Type: A EPO, F POS Deductible: A $0, F $500 Coinsurance: A 0%, F 20% Out of pocket max: A $4000, F $3500 Childbirth Professional Services: A No charge, F 20% coinsurance Childbirth Facility Services: A $750, F 20% coinsurance Plan A also has no charges for imaging and diagnostic tests where F has 20% coinsurance. Plan F costs me about $100 more monthly, but also offers out of network coverage, whereas the A plan has absolutely no out of network coverage. How important is it to have out of network coverage when pregnant? Is it something that will save me money down the line or can I ensure that all doctors are in network? submitted by /u/ThrowAway403726 [link] [comments]Read Morer/HealthInsurance