pregnant... what are my options?

[Marilyn. 340]

we have a PPO. We pay about $340 a month before taxes for my husband and me. We each have a $200 yearly deductible. After the deductible is met the insurance covers 80%. And our copay is $20 for a regular doctor and $40 for a specialist.

Our other option is Kaiser (HMO). we have considered it in the past because it is cheaper but my SIL has it and I see what a headache it is for her. Also we don't want to give up our awesome family doctor that we have now..

It cost you $25,000 to have a baby? Were there complications or extra care needed? I hope you don't mind me asking but I'm just shocked!

that was the cost of the entire hosptial bill, not what they had to pay..

Edited January 25, 2013 by Marilyn.

[The Mean Lady 604]

we have a PPO. We pay about $340 a month before taxes for my husband and me. We each have a $200 yearly deductible. After the deductible is met the insurance covers 80%. And our copay is $20 for a regular doctor and $40 for a specialist.

Our other option is Kaiser (HMO). we have considered it in the past because it is cheaper but my SIL has it and I see what a headache it is for her. Also we don't want to give up our awesome family doctor that we have now..

that was the cost of the entire hosptial bill, not what they had to pay..

Those are some kick-#### costs for a PPO.

I suppose if I was offered those same costs I'd pick a PPO too!

[Marilyn. 340]

back when my husband first started with this job about 9 years ago, they payed 100% of everything with no deductibles. we just payed copays and the monthly premium both were less then what we pay now

Edited January 25, 2013 by Marilyn.

[VeeNDee 44]

back when my husband first started with this job about 9 years ago, they payed 100% of everything with no deductibles. we just payed copays and the monthly premium both were less then what we pay now

That always kind of cracks me up. I hear people saying "my insurance covers everything!" and then continue on to say that they pay co-pays. Who invented that concept anyway - if you have to pay a co-pay then the insurance doesn't cover everything. Yet another way to drag money out of pockets I suppose!

[Marilyn. 340]

That always kind of cracks me up. I hear people saying "my insurance covers everything!" and then continue on to say that they pay co-pays. Who invented that concept anyway - if you have to pay a co-pay then the insurance doesn't cover everything. Yet another way to drag money out of pockets I suppose!

the insurance covered everything after copays.. (at the time it was $15 for regular docs and $30 for specialists) but we didn't have copays for blood-work and other tests..

Edited January 25, 2013 by Marilyn.

[The Mean Lady 604]

the insurance covered everything after copays.. (at the time it was $15 for regular docs and $30 for specialists) but we didn't have copays for blood-work and other tests..

Exactly.

I am not going to complain about forking over $20 bucks to see my doctor when the (2) rounds of blood tests and ultrasound that followed were free.

[Love's JAA 100]

the insurance covered everything after copays.. (at the time it was $15 for regular docs and $30 for specialists) but we didn't have copays for blood-work and other tests..

Some people get co-pay and co-insurance mixed up. Copay is usually a nominal upfront fee to see the physician whereas co-insurance is where you have to pay a percentage usually up to a specified ceiling.

The other thing, as a small business owner, my insurance premiums are outrageous. I'm paying over $500 per month for myself. When I eventually add my future wife, with maternity coverage (that's a lot extra), I'll be paying well over a $1,000 per month in premiums.

[The Mean Lady 604]

Some people get co-pay and co-insurance mixed up. Copay is usually a nominal upfront fee to see the physician whereas co-insurance is where you have to pay a percentage usually up to a specified ceiling.

The other thing, as a small business owner, my insurance premiums are outrageous. I'm paying over $500 per month for myself. When I eventually add my future wife, with maternity coverage (that's a lot extra), I'll be paying well over a $1,000 per month in premiums.

That sucks.

We have a small business with 20 employees and we only have to pay 110/mo for single HMO.

The first round we attempted to add insurance was way way too expensive, but the second shot was good!

[Hugglebuggles 60]

we have a PPO. We pay about $340 a month before taxes for my husband and me. We each have a $200 yearly deductible. After the deductible is met the insurance covers 80%. And our copay is $20 for a regular doctor and $40 for a specialist.

Our other option is Kaiser (HMO). we have considered it in the past because it is cheaper but my SIL has it and I see what a headache it is for her. Also we don't want to give up our awesome family doctor that we have now..

We have a Kaiser HMO. I think it's good, no complaints, but I've never experienced anything different. I'm not sure of the cost because hubby's employer pays a good chunk of it.

Has the OP even come back to this thread? It's turned into a horrible conversation over health insurance. I don't know about all of you but I hate this topic, because I hate having to think about it!

Edited January 26, 2013 by Hugglebuggles