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Hey Guys, off topic question... My mom has a savings account in a Punjab National Bank branch. Recently while trying to do transaction branch manager is informing her account has been blocked as per SEBI directive, he is not showing any proof for the same. Now my mother does not even have a DEMAT account, nor does she have any dealings with stock market. Any suggestions on what to do regarding this? Please help with suggestions, we are completely lost as to what to do. Punjab National Bank
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I mean, what are the options buddy? You want low deductible, low copay generally. Are you in California? If so, get Kaiser if it’s offered.
Chief
Kaiser is the best. We had it for our two kids in Cali and GA.
Rising Star
You are still better off going with HDHP plan. Based your location/network of hospitals you can pick Aetna/UHC/Blue.
I used UHC HDHP before / during / after pregnancy with gestational diabetes and C section. Few extra OBGYN appointments, C Section surgery, pediatric appointments didn’t impact my assessment as much.
Pre kids we used a High Deductible low premium HSA plan. When wife got pregnant we switched to a low deductible high premium Cadillac plan just to ensure we had full coverage in case of any eventuality. And thankfully we had that coverage till kids were a couple of years old because we used it fully. After kids doctors visits started going down, switched back to a high deductible plan.
For the peace of mind and to ensure your wife has full coverage, I would urge you not to scrimp on insurance during her pregnancy
Thanks everyone, since we are close to due date, my wife is not comfortable changing OBGYN. I will look out for low out of pocket plan applicable for California location which is in-network with that doctor.