Search found 5 matches

by saraloryn
Thu Oct 19, 2017 11:53 am
Forum: Personal Finance (Not Investing)
Topic: It's that time of year, and I'm pregnant!
Replies: 14
Views: 3941

Re: It's that time of year, and I'm pregnant!

saraloryn, Welcome and congrats! Bear in mind that the birth of a child is a "qualifying event". You are fully entitled to change any and all employer benefit options when the child is born. Have you looked at drug costs? If you have any prescriptions which are high $$$, check to see if the PPO has...
by saraloryn
Thu Oct 19, 2017 11:51 am
Forum: Personal Finance (Not Investing)
Topic: It's that time of year, and I'm pregnant!
Replies: 14
Views: 3941

Re: It's that time of year, and I'm pregnant!

First thing, CONGRATULATIONS! OP: Is the premium you list monthly, weekly, or biweekly? We had a child on an HDHP with HSA and were pleased with how things went. Our plan covered 100% of maternity expenses once our deductible was met. Read the official brochures of the PPO and the HDHP to gauge how...
by saraloryn
Thu Oct 19, 2017 11:50 am
Forum: Personal Finance (Not Investing)
Topic: It's that time of year, and I'm pregnant!
Replies: 14
Views: 3941

Re: It's that time of year, and I'm pregnant!

3) Assuming those premiums are paid twice per month, the HDHP costs you $6056/yr for the family, after taking into account the employer's $1K HSA contribution. The PPO costs you $8208. The HDHP starts out cheaper, and it's now about expenses that narrow the gap until the PPO is cheaper. For the fir...
by saraloryn
Wed Oct 18, 2017 12:19 pm
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 243
Views: 205124

Re: Please Try Out Test Posts Here

Testing
by saraloryn
Wed Oct 18, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: It's that time of year, and I'm pregnant!
Replies: 14
Views: 3941

It's that time of year, and I'm pregnant!

I had a question about insurance...PPO vs HDHP. We currently have an HDHP, but we weren't sure if we should switch to a PPO as I'm currently pregnant and due in June. Here is the rundown: HDHP Premium: $216 for employee/spouse, $294 for employee/family Deductible: $4,000 Out of pocket Max: $6,000 Co...