(Closed) How much was it to add your baby onto your insurance?

posted 6 years ago in Pregnancy
Post # 3
Member
3170 posts
Sugar bee
  • Wedding: October 2012

I work in HR and we have three choices for our employees. If you are going from Employee & Spouse to Family your options with us go from…

#1: $239.58 (Emp & Spouse) to $293.46 (Family)

#2: $211.08 (Emp & Spouse) to $254.55 (Family)

#3: $202.49 (Emp & Spouse) to $215.32 (Family)

Post # 4
Member
2065 posts
Buzzing bee
  • Wedding: December 2011

It will vary widely of course. For us, employee+spouse for medical insurance is $165.46/paycheck and a family plan is $267.92/paycheck. This is after the company covers 50% of the cost.

Post # 6
Member
1659 posts
Bumble bee
  • Wedding: July 2012

It’s $80 per pay period for employee, spouse/partner, and up to two children. This is going to vary so much from plan to plan and provider to provider – definitely get out that benefits handbook or ask your HR folks of they can tell you what the cost will be.

Post # 7
Member
3170 posts
Sugar bee
  • Wedding: October 2012

@stbMohror:  It all depends on what insurance he has but you can go to his HR office and they will tell you exactly what the rates are so you’ll be ready and can decide what’s best for your family.

Post # 8
Member
113 posts
Blushing bee
  • Wedding: December 1969

Ugh – you guys are lucky.  Our family plans range from $350-$450 where I work….and that’s the Federal Gov.  🙁

Post # 9
Member
141 posts
Blushing bee
  • Wedding: April 2011

It can be a huge difference between workplaces. For example, when we have a kid we will be putting him/her on my plan because it goes from about 99$ a month to 215$. If we were to add a child to my husband’s plan, it would jump from 128$ a month to a whopping 407$! This is also why I will not be a stay at home mom. The loss of my wages plus the increase in his health premiums to  725$ a month for all of us would not be enough!

But yes, check out your HR, especially if you have two different employers!

Post # 10
Member
28 posts
Newbee

Reading this is making me so glad to be Canadian Foot in Mouth

Post # 11
Member
6823 posts
Busy Beekeeper
  • Wedding: June 2011

For me it was only a $40 dollar difference a pay check to add my son.  I have employee child coverage. My Darling Husband is on his own medical insurance. 

Post # 12
Member
2027 posts
Buzzing bee
  • Wedding: November 1999

I have private insurance and pay an extra $158 a month to cover him. 

Post # 13
Member
1434 posts
Bumble bee
  • Wedding: February 2010

@pinky44:  thank goodness you answered because we’ll be doing the private insurance thing and I know thats difference from employee benefit insurance, so I now have a rough idea.

 

Post # 14
Member
887 posts
Busy bee
  • Wedding: March 2010

$45-$145 for a Wellmark Blue Cross Blue Shield child-only policy (we can’t add our baby to either of our insurances), it’ll be more if she has a defect or anything goes wrong– but under federal law they have to cover her 🙂

Post # 15
Member
7587 posts
Bumble Beekeeper
  • Wedding: December 2010

It cost us an extra $40 per month to add the new baby. We were already paying for a family of 3 which was $245 per month. So now $285

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