Health insurance plans suggestion for pregnant wife

[idlysambar]

wife ki may 2019 lo delivary vundi. naaku ippatavaraku insurance ledu

insurance ticukunetappudu yem consider cheyyali

helathcare.gov lo chusaa plans

 

ee below plans lo yedi better konchem suggest cheyyandi

 

[Peddayana]

If you have to look at one thing , choose the one with lowest out of pocket max, it would help reduce your overall expenses for the year

Paina cheppina plans lo Deductibles and OOP both seem very high for the premium you are paying , Employer ivvada enti?

Check If there are different OOPs for In-network and out-of network etc , Do research in your neary by hospitals about good hospitals which don't burn your pocket too much , once you decide on 3-4,check if they are In-network in your plan etc

Exclusions kuda oka sari choodu , benefits lo pregnancy ki ela pay avutayo benefit plan document lo detail ga untayi , read them thoroughly on the plan you choose 

[idlysambar]

1

Kaiser Permanente · KP VA Silver 3200/20%/HSA/Dental

• SilverMetal Level: Silver
• HMOPlan type: HMO
• Plan ID: 95185VA0530005

Monthly premium

$1,178.13

Deductible

$3,200Individual total

$6,400Family Total

Out-of-pocket maximum

$6,000Individual total

$12,000Family Total

Copayments / Coinsurance

• Emergency room care: 20% Coinsurance after deductible
• Generic drugs: $15 Copay after deductible
• Primary doctor: 20% Coinsurance after deductible
• Specialist doctor: 20% Coinsurance after deductible

Estimated total yearly costs

• Yearly premium$14,138
• Deductible, copayments, and other costs$2,562
• Total$16,700

$4,500: Typical cost for a healthy pregnancy and normal delivery.

[idlysambar]

OVERALL RATING 

Kaiser Permanente · KP VA Platinum 0/5/Dental

• PlatinumMetal Level: Platinum
• HMOPlan type: HMO
• Plan ID: 95185VA0530010

Monthly premium

$1,299.37

Deductible

$0Individual total

$0Family Total

Out-of-pocket maximum

$4,000Individual total

$8,000Family Total

Copayments / Coinsurance

• Emergency room care: $250
• Generic drugs: $5
• Primary doctor: $5
• Specialist doctor: $15

Estimated total yearly costs

• Yearly premium$15,592
• Deductible, copayments, and other costs$2,021
• Total$17,613

CHANGE

Providers & drugs

• 1 medical providers covered

CHANGE

$1,160: Typical cost for a healthy pregnancy and normal delivery.

[idlysambar]

1

Kaiser Permanente · KP VA Silver 3200/20%/HSA/Dental

• SilverMetal Level: Silver
• HMOPlan type: HMO
• Plan ID: 95185VA0530005

Monthly premium

$1,178.13

Deductible

$3,200Individual total

$6,400Family Total

Out-of-pocket maximum

$6,000Individual total

$12,000Family Total

Copayments / Coinsurance

• Emergency room care: 20% Coinsurance after deductible
• Generic drugs: $15 Copay after deductible
• Primary doctor: 20% Coinsurance after deductible
• Specialist doctor: 20% Coinsurance after deductible

Estimated total yearly costs

• Yearly premium$14,138
• Deductible, copayments, and other costs$2,562
• Total$16,700

$4,500: Typical cost for a healthy pregnancy and normal delivery.

[idlysambar]

3 minutes ago, Peddayana said:

If you have to look at one thing , choose the one with lowest out of pocket max, it would help reduce your overall expenses for the year

Paina cheppina plans lo Deductibles and OOP both seem very high for the premium you are paying , Employer ivvada enti?

Check If there are different OOPs for In-network and out-of network etc , Do research in your neary by hospitals about good hospitals which don't burn your pocket too much , once you decide on 3-4,check if they are In-network in your plan etc

Exclusions kuda oka sari choodu , benefits lo pregnancy ki ela pay avutayo benefit plan document lo detail ga untayi , read them thoroughly on the plan you choose 

maa employer gaadu ivvadu

bayata insurance plans cover cheyyavemo kada already pregnants vunna valla ki so only through healthcare.gov lo vunna 13 plans ye dikku @Peddayana

Kaiser Permanente · KP VA Platinum 0/5/Dental

• PlatinumMetal Level: Platinum
• HMOPlan type: HMO
• Plan ID: 95185VA0530010

Monthly premium

$1,299.37

Deductible

$0Family Total

Out-of-pocket maximum

$8,000Family Total

Copayments / Coinsurance

• Emergency room care: $250
• Generic drugs: $5
• Primary doctor: $5
• Specialist doctor: $15

Estimated total yearly costs

• $15,940

CHANGE

Providers & drugs

• 0 medical providers covered

CHANGE

QUICK VIEWMORE INFORMATION ABOUT PLAN KP VA PLATINUM 0/5/DENTAL

SEE THE PLANDETAILSOF KP VA PLATINUM 0/5/DENTAL

ADD KP VA PLATINUM 0/5/DENTAL TO COMPARE WITH OTHER PLANS COMPARE & SAVE

[user789]

1 hour ago, idlysambar said:

wife ki may 2019 lo delivary vundi. naaku ippatavaraku insurance ledu

insurance ticukunetappudu yem consider cheyyali

helathcare.gov lo chusaa plans

 

ee below plans lo yedi better konchem suggest cheyyandi

 

inni rojulu me wife ki ayina unda insurance?? don't be foolish by not taking insurance...take atleast minimum one even though you both are healthy.

Take the insurance which has least out of pocket...otherwise you will have to pay huge amount from your pockets...

don't try to go with cheap plans otherwise you will repent and ippada varuku save chesindhi pothadi...

[just2deal]

I think most of the plans do not cover pregnancy in the first year

Be sure to read the terms and check with the insurer

[jpismahatma]

Punch palknama.. insurance ledha.. ? E village Sami needhi ?

[Android_Halwa]

1 hour ago, idlysambar said:

wife ki may 2019 lo delivary vundi. naaku ippatavaraku insurance ledu

insurance ticukunetappudu yem consider cheyyali

helathcare.gov lo chusaa plans

 

ee below plans lo yedi better konchem suggest cheyyandi

 

You must be joking. 

You are expecting a baby in May and you don’t have an insurance ? Bro, you can’t be like this man...may be ignorance emi kani Better Late than never..

Look out for open enrollment, Jan 1st nundi start avutayi and UHG lo short term gap insurance plans vuntayi...look at them too. 

VA lo ekada ?

[idlysambar]

28 minutes ago, Android_Halwa said:

You must be joking. 

You are expecting a baby in May and you don’t have an insurance ? Bro, you can’t be like this man...may be ignorance emi kani Better Late than never..

Look out for open enrollment, Jan 1st nundi start avutayi and UHG lo short term gap insurance plans vuntayi...look at them too. 

VA lo ekada ?

my wife is in India now, she will be back in JAN

open enrollment lo chustunna akkada only cigna and Kaiser Permanente · KP VA Platinum 0/5/Dental

ee 2options vunnayi which one is good among them cigna or kaiser

Cigna Health And Life Insurance Company · Cigna Connect 1500

• GoldMetal Level: Gold
• EPOPlan type: EPO

 

[idlysambar]

53 minutes ago, user789 said:

inni rojulu me wife ki ayina unda insurance?? don't be foolish by not taking insurance...take atleast minimum one even though you both are healthy.

Take the insurance which has least out of pocket...otherwise you will have to pay huge amount from your pockets...

don't try to go with cheap plans otherwise you will repent and ippada varuku save chesindhi pothadi...

maa iddariki levu insurance ippativaraku

 

[Run]

8 minutes ago, idlysambar said:

maa iddariki levu insurance ippativaraku

 

recent ga vachava us ki ? intha deela unte kastam bhai

[Run]

check with employer insuarnce.  open enrollment untadhi end of the year

[ManchiDonga]

real story:

Maa dosth gadu okadu insurance kattadam enduku ani, direct hospital vadi tho 5500 ki deal set chesukunnadu. many hospitals offer it basically. they wiill take care of monthly checks, delivery, post delivery checks.

antha saaf ga ayyindi till delivery date. delivery date roju vadi wife BP ekkuva undi ani doctor memu cheyyam, go to big hospital annaru.

vadu ventane pedda hopital parigettadu.

for delivery 22000 and papa ki 15000 bill vesaru 3 days ki.

khel katham.. he is in some payment plan now.