Hi all,
My partner and I are having our first child. She has had a normal pregnancy so far and we are only about a month out from the birth. I am going to add our baby and my partner to my health insurance plan, but I am wondering which plan would be best based on what y'all have experienced.
Here are the options that I have through my employer:
DHMO 1000 - $1,063.63 a month premium
Deductible- $1,000 Individual/$3,000 Family
Out of Pocket Limit- $4,000 Individual/$9,000 Family
No additional deductibles for specific services
DHMO 2500 - $915.59 a month
Deductible- $2,500 Individual/$7,500 Family
Out of Pocket Limit- $4,000 Individual/$9,000 Family
No additional deductibles for specific services
HDHP 1500 - $1,001.54
Deductible- $1,500 Individual/$3,000 Family
Out of Pocket Limit- $4,000 Individual/$6,850 Family
No additional deductibles for specific services
HDHP 3000 - $838.69
Deductible- $3,000 Individual/$6,000 Family
Out of Pocket Limit- $5,000 Individual/$10,000 Family
No additional deductibles for specific services
Did anyone do a high deductible plan with your first child? Did you regret it? I am afraid since we are new parents we won't know what to do and will use the hospital a lot.