worldspy99
New member
Re: WC 150K Post Challenge - You Ready?!
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.2 reasons, both financial....
Already hit our deductible for the year, so if everything happens in December, it will be cheaper as insurance will step up to the plate and cover 80%... they cover 0% if it happens in January. Which is why I call BS on how insurance handles pregnancies. In our case, we've spent a lot on tests, Dr. visits, sonograms, etc. so it should all flow together with the actual birth, even if it's not all in the same year. We've been pre-paying for the birth, based off a January due date, so we'd actually get the 80% back from the Dr.
As a side bonus, as Laura Knotek pointed out, a December baby would give us an extra tax break for 2016, vs. not taking effect till 2017.
Guess I should add, other than that, January would actually be better so the child wouldn't be stuck having birthday parties where everyone is out of town for the holidays. My birthday was actually yesterday and it sometimes falls on Thanksgiving. While it isn't a big deal now a days, as I'm older, when I was younger, it always sucked when friends were out of town for Thanksgiving on my birthday.