[Jessy133]

So I have a major decision to make. I currently have United Healthcare. My plan that I had was for my husband and I and it went up a lot! It went from 621 that I currently pay to 780 if I want to keep it.

Now with my husband business being very slow and bad right now that type of hike I cant take it. So we were trying to decide to see just to have myself covered only since I am pregnant. So I got my new price for just my coverage and it goes down to 545. Now here is my dilema. Down in south florida there is another healthcare provider that is a sister company of United, but they are only in the State of Florida. Technically my benefits are only provided in 3 counties around me. So if I leave out of the county then I would only be covered if it was an acutal emergency. But if I would leave the state of florida then I am not covered. vs with United I am covered in all 50 states.

Now the price of that plan that is only in the S. Florida area, is 359. So you can see that it is a difference. Now my company pays for 1/2 and I pay for 1/2, so technially if I go with the cheaper Insurance co. I would be saving a total of 979 for the year.

NOW here is my concern, My RE that I did all my stuff with does not take the cheaper insurance plan. So my mom keeps telling me that what if something happens and I lose the pregnancy (heaven forbid, but again thinking worst case) then I would have to pay everything out of pocket with my RE.

So what do you think? What would you ladies do? Do you think saving 979 a year is worth it? I know United is great and I know that you can see almost any doctor since its such a large company, but I dont know. I have to decide this no later than monday b/c my plan is goign to expire.

Thanks for your opinions...Sorry for it beign so long!

[Lyz]

that's a really hard decision! If you were to take out the RE factor, it would make more sense to switch. But I understand should something happen. If you were to go with the other insurance and need to see the RE, would it cost more than $979?

Also, you could find out when open enrollement for United is (unless this is open enrollment) and if it's in the next few months (6 lets say) you could always switch to the other company and switch back if needed?? Almost like a fall back.....

Sorry you have to be in this situation. Best of luck!

[downunderchick]

sorry i cant help as its all different here in the UK.

Hope you can decide what youre going to do. sounds like a it of a tricky situation!

[LuvMyToriBug]

I would probably stick with United considering your medical circumstances. At least until your children are here, then reevaluate at that time. You will have to cover the babies with something, right?