which health insurance plan to take while TTC

posted 3 years ago in TTC
Post # 3
Member
11712 posts
Sugar Beekeeper
  • Wedding: November 1999

I’d probably go with the $350 plan if you can swing it. 

While you’re doing your budgets, remember that medical insurance plans are generally pre-tax, so you’ll feel the hit a tiny bit less. 

Is the cost you quoted ($350, for example)  per month?  These seem very high for insurance plans.  Is it a family plan for you and your husband, or just you? 

Post # 4
Member
9137 posts
Buzzing Beekeeper
  • Wedding: November 2013 - St. Augustine Beach, FL

yellow7404:  The calculations for the $380 plan look wrong to me because the out of pocket max is $3250 but the charges on the 5 day hospital stay are off.  The $350 plan looks good to me but that is a lot for an employer plan.  Are these individual plans?

Post # 5
Member
588 posts
Busy bee

yellow7404:  I’d probably pick the $380 plan, if it can actually fit in your budget. $380/month vs $270/month will cost you an extra $1320 per year, which is a lot, but you’ll be paying $2550 *more* for the 3 day delivery with the $270/month plan than with the $380/month plan. Most couples get pregnant within the first year of TTC (I believe it’s something like 80%), and this gives you almost two years before you break even (assuming delivery is your only claim).

Post # 8
Member
9137 posts
Buzzing Beekeeper
  • Wedding: November 2013 - St. Augustine Beach, FL

yellow7404:  Then that’s about right for a woman of childbearing years with maternity coverage, unfortunately.  

To give you perspective, I have similar coverage and my employer pays over $800 a month for my health insurance premium.  So to get similar coverage for $350 a month is pretty good.

Post # 9
Member
11712 posts
Sugar Beekeeper
  • Wedding: November 1999

yellow7404:  Aw, sorry, my bad.  I think you need to weigh out the cost of the plan per month with the deductible and out of pocket max.  Higher deductibles with lower OOP costs may be better if you can afford to pay the deductible up front.  If you want to save the money and hope your good health continues, perhaps a higher deductible is the way to go.  Either way, the bottom two plans look pretty solid to me.

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