{ "media_type": "text", "post_content": "Any KPMG moms/pregnant ladies out there on the HDHP? All my prenatal visits that have an ultrasound I'm being told aren't considered prenatal or routine prenatal. Any recourse here? I'm not delivering until April, do I switch to PPO?", "post_id": "5fb5521f644df5002037a9b9", "reply_count": 29, "vote_count": 1, "bowl_id": "58f81646ae9f610010f869be", "bowl_name": "Consulting Moms" }

Any KPMG moms/pregnant ladies out there on the HDHP? All my prenatal visits that have an ultrasound I'm being told aren't considered prenatal or routine prenatal. Any recourse here? I'm not delivering until April, do I switch to PPO?

like
Posting as :
works at
You are currently posting as works at

Hey, also at kpmg here, also due in April, also on hdhp. Not sure what you mean by not covered, but essentially on the hdhp you pay for everything up until 5k oop max, and then they cover everything after that. Feel free to message me if you want to chat.

like

No. They’re pretty strict/firm in their policy. I also had a miscarriage snd the miscarriage related coverage is horrifically awful too. They make it seem like it’s ‘100%’ covered, but what they consider to qualify for that coverage is a very small portion of what you need as a pregnant patient.

Ultrasounds and bloodwork are diagnostic and not “prenatal” care. Not KPMG, but switched to a low deductible plan 1/1 for a March delivery and ended up saving a ton of money.

like

Pwc1 it’s so sad that’s something to even consider. Our healthcare system sucks. And relatively speaking we work for major companies with decent insurance. What about everyone else. It’s so sad 😞

Not KPMG but I'm on deloittes Hdhp plan with united Healthcare. I'm currently 21 weeks. It's been pretty expensive so far. For each visit that had an ultrasound as well, I was billed $480 or more if there was also a urine test or blood test. I've paid about $2800 so far and my deductible is $4800 that I'm not going to hit this year. It will reset in January and I won't hit it by the time the baby is due. I switched my plan for 2021 and will be on PPO instead and I'm due in March.

Ugh terrible timing, I'm sorry! I switched to the high deductible one because it blatantly says prenatal is covered 100%. I do think with delivery being so expensive I'll hit the out-of-pocket max on either plan and the high deductible one will be cheaper overall (I was on PPO at a different company with my first and definitely hit the max). Feels so discriminatory 😥

I am due in February and currently have a HDHP. I have decided to go on a PPO for the new year because Kaiser estimated that I will meet my deductible on a HDHP with a birth. After the birth I may switch back to HDHP, since it will be a 'life changing event', depending on how healthy the baby is. I don't know if this is the right course of action, but it's what I've planned for with the little understanding I have on healthcare plans :/

Don’t switch plans after the birth if you meet your deductible. Essentially all healthcare after you meet your deductible is free! If you switch, I don’t know if your deductible resets. Good question to ask your insurance before you switch.

Not on hdhp but also pregnant and due in April 😁 Please let me know if any of you are in NYC!

This is what happens when you are quarantined at home with your partners 😂

funny

Update, they're not covering my 20 week one either. What a joke

I decided to stick with the HDHP. My husband and I wanted to be able to get more ultrasounds so having an HSA was the most cost effective. I have friends who have PPOs and they stated only the 20 week ultrasound is covered under the plan and they still ended up with a lot of out of pocket expenses.

I know it's cheaper overall but I thought at least one counted as medically necessary 🙄

Related Posts

Husband only gets 2 weeks of paternity & I said I would want a FT nanny to help once he goes back to work. He said his parents (retired) could just stay with us & help out. 😱

like

Looking for recommendations for non-profits to make contributions to. Two causes we want to prioritize - racial equity/racial justice and child hunger. Please recommend!

like

Hey moms, How do you usually split up work after a baby with partner? We’ll have parent’s support for a good long time and I know that might mean we could slack and then rudely be awakened by reality after they leave in a few months. So want to make sure both husband and I are part of it right from the beginning. E.g: should I be thinking of asking the husband to get into the habit of putting baby to sleep every night? Etc.

like

For Baby #2, do you feel like the first six weeks were easier than with Baby #1 simply because you better understood what you were dealing with? And that the crazy no-sleep period *does* end?

like

What are your favorite activities to increase parent engagement in your school community?

like

Anyone consistently and comfortably wear heels? How do you get out of the baby giraffe phase and not look/feel ridiculous?

like

Curious what other people's parental leave looks like for companies of a similar size and industry. We are about 150 employees in the CPG (beverage) space. We want to improve/expand our paid leave. How much paid time do you give your employees? Do you give the same amount for the primary and secondary caregiver? Please include your company size and industry.

like

Please answer the following two questions with yes or no ONLY: Should pregnant women also get the extra $500 stimulus for children? Are fetuses children? You can explain after you answer yes or no.

like

What precautions have you taken for an infant or baby on airplanes since they can’t wear a mask?

like

When you're the only girl on the team and the rest of the team votes Hooters for Friday lunch and your waitress ends up being 7 months pregnant ... Lololol 😂😂 #jokesonyouguys

like

For those of you who switched to decaf, I found a really delicious Ethiopian decaf coffee https://www.gocupper.com/collections/all-coffee/products/decaf-ethiopia-guji I don’t think I’m gonna go back to caffeinated coffee even after I have the baby. Without caffeine in my body I sleep better now and have even better energy ✌️✌️✌️

like

Has anyone here chosen to become a parent on their own? At what age/stage in life were you able to make that decision?

like

How can we best ensure that we do not collectively adopt a WFH culture across the board?

like

How are you going to celebrate Mother’s Day

like

Any agencies with good parental leave policies? Or are most through short-term disability or only partial pay?

like

Was getting yelled at by senior manager via Zoom for going over budget. Didn’t respond, just dropped from the call Intentionally, due to the tone/ aggression shown. Gave him 3 minutes to calm down and rejoined the zoom call. He settled down and adjusted his tone. Do you guys think I need to report to HR this behavior or just let it go? I’m a professional not a child to berate.

like

I'm 13 weeks pregnant. Any advice on when I should tell my leadership that I'm pregnant? Context: I'm a tech manager and have a team of 10 so will need to talk through replacement and return strategy etc.

like

My creative director is like an absentee father to us. He's there for kickoff, to shut down our ideas days before the pitch, and then otherwise aloof. I never know what he wants. Anyone else relate?

like

Mother’s Day ideas?

like

Are moms out there raising new borns all by yourself. I'm on maternity leave and want to know if it would cost my health. But I'm yearning to be independent and not lean on my parents or inlaws.Contd.

like

Additional Posts

When/Which companies provides iphone/attractive products as joining bonus. How can we ask one for when joining.

like

Can some of you experienced folk recommend some good books for rookies? What are your favorites for investment strategies, marketing, selling, etc.?

like

Just wanted to start off the day by saying - I work with almost only women on my project, and I love every single one of them. They are the most supportive, kind, brilliant, and encouraging individuals and I feel so blessed and lucky to be working with them. Who you have in your team seriously makes it or breaks it, and I appreciate that I can work with amazing top notch women like them. Really appreciating my fellow ladies out there!! 💕

likeuplifting

What salary to expect for a Sr Technical Product Manager role at Amazon, Seattle? Any other components to expect? Currently based out of DC area, 150k base, 14 YoE

like

US citizen traveling from Mexico to the US with a short layover (1:25) at DFW. Not familiar with this airport, but the layover doesn’t seem like enough time to go through immigration and catch the connecting flight... thoughts?

like

If someone was to do a second masters after MBA, what would you guys suggest? I have an MBA degree from a top 20 institute in india, been working for the last 2.5 years in consumer insights and market research roles. I am looking to do another master overseas in the next 2-4 years, but I don't want to do business or analytics related courses. Would a literature or philosophy degree add value professionally?

like

Hi, I'm looking for a job change as a Business Analyst. I have 2 years of relevant experience in a product based startup. Please do let me know if any openings for the same. Thanks

like

I am planning to tell the admission that how HBS will help me bridge me to Hollywood on commercializing performing arts - I wanna be a superstar in Hollywood :) the huge difference between going to MFA program vs MBA is that me and MBA program are better fit for each other but I gain optimized power to transcend my career. Opinion?

Thinking of applying at Bain. What’s the culture like compared to big4? Also don’t fully get the levels. What is equal to a big4 manager level? (6-7y experience)?

like

Does MBB have a GPS practice? If so, where do they recruit from for experienced hires? Big4, Booz, government itself?

Recently had an MBB final round with my top choice firm. Kinda messed up by making silly mistakes I do not usually make. Having interviews with the other MBBs coming up, and having practiced as much as I could, advice for not letting this get to my head and finding the motivation and confidence to keep pushing ?

like

What sort of comp do 2/3 YOE our or undergrad (AC/A/BA) usually get at startups?

like

Accenture vs Slalom for long term career growth and exit opportunities?

like

What percentage of your salary do you spend on rent? How much is the rent, size of the apartment and location. SO and I spend ~14% of our pre tax income on rent. $3650 for a 2b2b in Boston. Asking this question since this is the first time we are spending so much 😓

funny

Husband only gets 2 weeks of paternity & I said I would want a FT nanny to help once he goes back to work. He said his parents (retired) could just stay with us & help out. 😱

like

Do segments on awards travel count toward status on AA?

likefunny

When did we start hiring staff that only do half of their job?

likefunny

My company gives me a card for all travel related expenses. Does this mean I can’t claim the points?

like

Was lucky enough to secure an offer with BCG as experienced hire (1 year out of undergrad). Having a call tomorrow with recruiter to discuss the details, what should I expect? Salary / start date?

likeuplifting

What’s the salary range for a target MBA manager at Deloitte in human capital? (tier 2 city - houston, Dallas, ATL)

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the Fishbowl app

Get realtime notifications and see
what's happening in your industry
from the palm of your hand.

For account settings, visit Fishbowl on Desktop Browser or

General

Legal