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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?
by on Feb. 18, 2013 at 2:54 PM
Replies (11-11):
by Member on Feb. 23, 2013 at 10:31 AM
My hubby is self employed. We have an hsa thru medical mutual. $3k individual, $6k family deductible, also no maternity. But we just had our 3rd child with no maternity coverage, and paid $2500 (all prenatal care, delivery, hospital stay, nurse visit after we got home)- less then our 2nd WITH coverage! Check in your area for a clinic associated with your local hospitals. We pay $480/mo in Ohio. It's insane for you to pay that much for your insurance.
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