Help me pick a plan!
Husband's company is switching healthcare providers, so we have to select a new plan. Neither of us fully understand health insurance, so we're torn on what's the best. I just found out I'm pregnant with a May due date. His open enrollment is now, but deductible resets in Jan. I also have another condition that require annual MRIs + regular follow-ups with an endocrinologist. Trying to sort through the two plans to understand what's better for our situation. High level details on plans below:
Plan 1: $394/month for the two of us, will jump to $619/month with baby
Tiered plan – with lower prices for Tier 1 vs. Tier 2. My hospital network is Tier 1, my OB, PCP, and Endo are all Tier 2 (side note – how does that work since all those doctors are through the hospital network?)
Deductible: $500/$1,500
Individual OOP: $500/$3,000
Family OOP: $1,500/$4,500
PCP visit: $20/$50
Hospital stay: $250 per visit/$500 per visit + 30% coinsurance
Childbirth/Delivery: No charge after deductible/30% coinsurance
Plan 2: $500/month for the two of us, will jump to $785/month with baby
Deductible: $500
OOP: $2,500
Family OOP: $7,500
PCP visit: $20
Hospital stay: 20% coinsurance
Childbirth/Delivery: 20% coinsurance
submitted by /u/shish711
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