Originally Posted by
worldspy99 That's a lousy insurance plan. Ours covers everything for a grand total of first doctor visit copay of $25. Everything after that till childbirth is free.
Yeah, our plans have gone to crap over the last couple of years.... 2 years ago, it would have been an office visit copay... but last year all the plans went for the worse with prices going up, and this year the plans all went up another 20%-30%... depending on the plan. Before you hit your deductible, I think it is $1,400... 1,900... $2,400 for child birth.... and that was the $500 ind. ($1,000 family)... $1,000 Ind. ($2,000 family) and $1,500 ind. ($3,000 family) deductible plans.... The plans cover some "basic" care, but anything else, you have to pay 100% until you hit your deductible.
We went with the $3,000 deductible plan because it not only has cheaper premiums per pay check, but the company will pitch in $1,000 on a "health" credit card.... Also, if you take the difference in premiums on any of the other plans and put it, pre-taxed, on the health credit card, and add in the 1K from the company, it covers the deductible for the year... so, in the long run it's cheaper. Plus, it has a lower Max Out Of Pocket amount than the mid tier and the same Max OOP amount as the low deductible.... Only, again, given the difference in premiums and $ put in by company, you are half way there.
