{ "media_type": "text", "post_content": "need urgent help!!! what insurance plan to select? will have my spouse on my plan too. planning for a baby next year. i have hdhp 2000 right now. but with spouse its 115 per paycheck...contd...", "post_id": "5dc1aee070b7d6002a1a5027", "reply_count": 12, "vote_count": 0, "bowl_id": "58f7fc5fae9f610010f862d9", "bowl_name": "Women in Accounting", "feed_type": "bowl" }
null

need urgent help!!! what insurance plan to select? will have my spouse on my plan too. planning for a baby next year. i have hdhp 2000 right now. but with spouse its 115 per paycheck...contd...

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im planning to get pregnant next year. hopefully. fingers crossed. so i think delivery would be 2021.

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you too :)

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hdhp 5000 is 54 per paycheck. PPO 1000 is 150 paycheck. which one will get me the most benefits

In the same boat, I think it’s best to choose the lowest deductible plan (higher monthly payments) so all the money isn’t used up by the time you give birth (from appts, etc.). There is another post about this from a few days ago - check it out.

thanks

I chose the plan with the lowest deductible but i already knew my due date when the new enrollment period started (my pregnancy spanned over two benefit years). Also depends when you are due for delivery. If it’s later in the year then you can choose a plan with lower premiums. With all the check ups and tests, it’s pretty much guaranteed you’ll meet your deductible by the due date.

K1, that’s how much it costs all in-Doctor’s and delivery. $60k was billed to my insurance company of which 10% was my responsibility even after I fully reached my deductible. I was in a low COL area in the southeast. C-section delivery and no complications.

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