I checked into my insurance here at work. I currently pay 150 a month for a plan that has a 200 deductible and pays 100 in network after copay.
Adding baby to that plan will change my payment to 587/month.
Um.... I can't afford that.
The only other option is this new high deductible HSA plan. Which is - $5000.00 deductible, after which insurance pays 90%. There is a small monthly payment (20.00) and then you're supposed to put money into a health savings account to pay your medical bills.
Which to me seems as good as not having any insurance at all, except for a catastrophe. Even just the ankle arthroscopic surgery I may need in the next few years would leave me owing at least 5k.
Maybe some BTDT moms can tell me what medical costs for baby are like in the first year??? i.e. - baby check ups, shots, etc?
I looked into individual plans, but the rates weren't much better and most times didn't include prescriptions and labwork, etc.
It's so annoying. I really don't believe that baby should cost an extra 435/month to cover!!!