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

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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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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.

Thank you peimum for my siggie

Dec 26 '08, BFP after 21 months thanks to acupuncture
Jan 14 '09, first u/s one strong heart beat
Jan 28, '09, second u/s, Surprise! two strong heart beats
Aug 13, '09 Arya and Eiley are born on what would have been their great grandmother's 105th birthday
365 Days in a Roe

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