Looking for advice on finding a decent/cost effective insurance plan. We're currently covered under DHs work plan, which has/had decent coverage. However, we use found out that Aetna is again raising our premiums ($1369/month - which is more than $200 more than our mortgage payment!) and our coverage continues to get trimmed. Co-pay went from $25 to $30 for PCP, $50 to $60 for specialists, and now we have in-network coverage only, so I need to find a new cardiologist and OB/Gyn.
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?
on Feb. 18, 2013 at 2:54 PM