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debate about which health ins...xpost need help!


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  #1  
June 19th, 2009, 11:54 AM
Jessy133's Avatar Mega Super Mommy
Join Date: Aug 2006
Location: Miami, Florida
Posts: 3,934
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!
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  #2  
June 19th, 2009, 12:14 PM
Celry's Avatar Platinum Supermommy
Join Date: Nov 2007
Location: WI
Posts: 12,946
Personally I would go with the more expensive option if I could figure out how to afford it. I have United as well, but there are 2 united options through my company. I picked the more expensive one this year because it would pay up to a certain amount for infertility while the other plan paid nothing. I got pregnant in Dec without MA, but it was too late to switch back. We also didn't want to switch just in case since I'd had a miscarriage in the past. My out of pocket max is pretty high for the year, but it was worth the gamble. I'm a cautious person though and would prefer to have the best coverage I could afford.

You may want to look at each plan to see what would be covered for your babies once they are born. That may help you decide.

I really hope nothing happens and that you have two very healthy babies at the end of this.
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Dec 26 '08, BFP after 21 months thanks to acupuncture
Jan 14 '09, first u/s one strong heart beat
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