Peyman Carlsen
New Member
- 6
Hi,
I am wondering how much we should expect to pay for our baby to arrive soon November
Unfortunately plans in my job renew on October 1st, because the plan I started with since May in this new job was much better.
The new plan is a 2600 CDHP.
Deductible: $2600 Ind / $5200 family.
100% Coinsurance.
Out of pocket max $3500 Ind / $7000 family.
Our plan has me, my wife, and a 19 month old baby. Baby in November will be the 4th member.
I believe that should cover majority of the information needed for everyone to answer my questions.
It doesn't seem like anyone I talk to is 100% sure on what we should expect.
Our HR rep here, calculates the deductible by adding $2600 every time for a member. So he says that right now your family deductible is $7,800 ($2600 * 3 members). So anything after that, the insurance would pay at 100%. And once new baby comes, it would be 4*$2600 = $10,400. But since out of pocket max is $7000, I would only pay $7000? Is this right?
Or talking to the insurance company representative(they never give me straight answer and just use terminology I don't quite grasp) but seems she was calculating based on the Individual deductible. I talked to her when we had the $1000/$3000 deductible, $6,600 ind / $13,200 out-of-pocket-max POS plan, which got removed start 10/1/2019. But still, even though we had a family plan at that time as well, she was somehow using the Individual deductible? I don't want to call her again since I get more lost talking to her. I don't know if they are afraid/liable of giving me straight answer because I might use their words later when I find the bill was more than what they told me...
Could someone please based on the little information about the plan I provided above, say how much we should expect? And I suppose explaining it in simple terms would go a long ways also and appreciated.
Thank You
I am wondering how much we should expect to pay for our baby to arrive soon November
Unfortunately plans in my job renew on October 1st, because the plan I started with since May in this new job was much better.
The new plan is a 2600 CDHP.
Deductible: $2600 Ind / $5200 family.
100% Coinsurance.
Out of pocket max $3500 Ind / $7000 family.
Our plan has me, my wife, and a 19 month old baby. Baby in November will be the 4th member.
I believe that should cover majority of the information needed for everyone to answer my questions.
It doesn't seem like anyone I talk to is 100% sure on what we should expect.
Our HR rep here, calculates the deductible by adding $2600 every time for a member. So he says that right now your family deductible is $7,800 ($2600 * 3 members). So anything after that, the insurance would pay at 100%. And once new baby comes, it would be 4*$2600 = $10,400. But since out of pocket max is $7000, I would only pay $7000? Is this right?
Or talking to the insurance company representative(they never give me straight answer and just use terminology I don't quite grasp) but seems she was calculating based on the Individual deductible. I talked to her when we had the $1000/$3000 deductible, $6,600 ind / $13,200 out-of-pocket-max POS plan, which got removed start 10/1/2019. But still, even though we had a family plan at that time as well, she was somehow using the Individual deductible? I don't want to call her again since I get more lost talking to her. I don't know if they are afraid/liable of giving me straight answer because I might use their words later when I find the bill was more than what they told me...
Could someone please based on the little information about the plan I provided above, say how much we should expect? And I suppose explaining it in simple terms would go a long ways also and appreciated.
Thank You
