Most plans I've seen have very high out of pocket limits or high co-pay - or no maternity coverage (we're not planning a 2nd child yet but my 1st was a surprise). I could kick myself - I had a great individual policy pre-baby for $84/month that had better coverage. But bc I declined maternity at the time (to save $34/month), I switched to my husband's policy for a whopping $410/month when I found out I was pregnant. And premiums have skyrocketed the last 2.5 years. Is this an across the board issue, or am I just not looking at the right plans? Anyone have a great insurance policy that's not their primary monthly expense?
We used to have Aetna and they did the same thing to us. I really felt like it was a bait and switch. We had really low premiums and $10 copays. I literally paid $10 to have my first child. By the time we had our second things had changed. Finally it was so ridiculous that our company dropped them.
Unfortunately I don't know of a private insurance that would be cheaper, but right now we have United Healthcare and it is pretty decent. All well visits and preventative care visits are free.
When we were considering finding our own health insurance, we talked to the agent where we bought our life and car insurances. If you have someone like that, they may be able to give you a proposal.
What plan do you have that well visits and preventative care visits are free? Don't you have to meet the deductible for that?
Quoting slw123:We used to have Aetna and they did the same thing to us. I really felt like it was a bait and switch. We had really low premiums and $10 copays. I literally paid $10 to have my first child. By the time we had our second things had changed. Finally it was so ridiculous that our company dropped them.
Unfortunately I don't know of a private insurance that would be cheaper, but right now we have United Healthcare and it is pretty decent. All well visits and preventative care visits are free.
No, I don't have to meet deductibles. The well visits are completely free, so my annual Pap smear trip to the OB/GYN is free, skin cancer screening at the dermatologist is free, kids annual checkups are free. The only time we have to pay our co-pay is when we call to get in because someone is sick.
It's the United Healthcare Choice Plus plan (it also say Well Choice) on it.
There ARE deductibles, but I don't have to meet them to get the free well visits. I think our family deductible is $1500. Fortunately no one here is sick or has a chronic health issue (knock on wood).
Quoting AllofFive19:What plan do you have that well visits and preventative care visits are free? Don't you have to meet the deductible for that?
Quoting slw123:We used to have Aetna and they did the same thing to us. I really felt like it was a bait and switch. We had really low premiums and $10 copays. I literally paid $10 to have my first child. By the time we had our second things had changed. Finally it was so ridiculous that our company dropped them.
Unfortunately I don't know of a private insurance that would be cheaper, but right now we have United Healthcare and it is pretty decent. All well visits and preventative care visits are free.
That one looks like an employer plan.
Quoting slw123:No, I don't have to meet deductibles. The well visits are completely free, so my annual Pap smear trip to the OB/GYN is free, skin cancer screening at the dermatologist is free, kids annual checkups are free. The only time we have to pay our co-pay is when we call to get in because someone is sick.
It's the United Healthcare Choice Plus plan (it also say Well Choice) on it.
There ARE deductibles, but I don't have to meet them to get the free well visits. I think our family deductible is $1500. Fortunately no one here is sick or has a chronic health issue (knock on wood).
Monthly expenses
- SFLMom33
on Feb. 18, 2013 at 2:54 PM