Please tell me about your health insurance plan

[kateross]

1.  HMO?  PPO?  Which company?
2.  Do you pay, or your employer does?  Do you know your premium?
3.  What do you estimate your annual OOP cost after labor, ob-gyn visits, etc. going to be/ended up to be?


Thanks!

[ilikedonuts]

PPO
We pay and DH's employer pay. I have no idea how much.
Everything prenatal related is covered (all appts, ultrasounds including the NT, emergency L&D visits, NSTs, etc). We paid nothing except for an office visit that turned out to be for a yeast infection rather than pregnancy related. We ended up paying our deductible plus 20% of L&D. Then we had DD's pedi visits in the hospital and hospital stay charge which were her deductible plus the 20%. I cannot remember how much everything was though. I think it was between $1500 and $2000.

[belovedbride07]

1. POS (sort of an HMO/PPO hybrid...effectively an HMO how we're using it)
2. I pay ~$100/mo; employer pays ~$10k annually
3. IIRC, prenatal care is covered 100% after initial $20 co-pay; L&D will be 10% up to our OOP maximum, which is something like $2500? Maybe more...I'm still not pregnant and drank at dinner so my brain's a bit fuzzy. :-P

[pooh8402]

1. BCBS PPO through my employer
2. I pay ~$110/month, no clue what my employer pays
3. Annual OOP maximum of about $6000. Deductible is $615. Pregnancy is covered as if it is an illness; I pay copays and coinsurance after my deductible is met until I meet $6000, then insurance pays the rest. My hospital stay (room amd board, food, etc) will be free since I work there. Newborn will be on my husband's insurance primarily (nearly the same plan, different employers) and mine as secondary insurance.

Sent from my SPH-L710 using proboards

[vmars]

1. I have insurance through DH, he works for the state. We have PPO through HBCBS
2. It's $65 per month. DH is only responsible for a % of the premium cost based on his salary. I think they said the total cost of the insurance is between $600 - $700/month.
3. $15 - I only have to pay for the first visit and the rest is covered by insurance.

[krystee]

PPO with BCBS
Employer pays for employee, we pay if we add a spouse or kids. I pay $360/month
We have no deductible and our OOP max is $500, which is pretty awesome. I think I just pay one copay for pregnancy.

[magpie]

1. EPO (whatever that means, lol) with United Healthcare.
2. I get it through my H. His coverage is free, it costs about $60/month to add me. His insurance is way better than what my employer offers though, so it's worth it.
3. The brochure says that it should cost a total of $90 (in copays, I guess) for the whole deal.

[IndiaInk]

1. EPO (Blue Cross Blue Shield)
2. H's employer pays for him and I think it's about $50/month for me. 
3. Our plan is excellent, probably the one of the best out there.  We have no deductible for anything and all well woman care/prenatal/maternity/well baby care/outpatient hospital and lab tests are 100% covered with no co-pay.  Co-pays for other things are $20. 

[jewel]

1.  HMO?  PPO?  Which company? HMO, Kaiser
2.  Do you pay, or your employer does?  Do you know your premium? Total premium is about $750/month, I pay $75 per month (10%)
3.  What do you estimate your annual OOP cost after labor, ob-gyn visits, etc. going to be/ended up to be? I have a $5 copay per visit, for all pre and post natal care. All tests are covered. Hospitalization is covered. Total cost, depending on how often I'll need to be seen while pregnant, should be less than $75.

[sonrisa]

We have Kaiser. Last pregnancy, the visits were $5 (except a few like the CVS which were free). No copay for L&D despite a 40 hour labor, an epidural, c-section, 6 day hospital stay, an MRI, and multiple doctors. The only thing we paid was the co-pay for the walker I needed to go home. I think there was a $5 copay for the physical therapy visits. (yes, I had a crappy labor and recovery experience.)

[Deleted]

1. No insurance (I live in Britiain)
2. I pay for the National Health Service (NHS) through employment. I don't know how much it is, but it's compulsory.
3. No bill at all.

[picksthemusic]

PPO, First Choice

I pay a small premium, and my employer pays the rest. I have access to free insurance through my employer, but I opted for the "buy up" for a much smaller deductible and smaller co-pays, and better coverage.

Last time, my OB visits were "global" so I had no co-pays, and only had co-pays for things like u/s and labs. My entire labor/delivery only cost me $100 because I'm an employee of the hospital I delivered at. The thing that was expensive was my baby's NICU stay and subsequent follow up visits with specialists and testing/scans.