chrismon95
New member
I am enrolling in insurance for 2024, and am having trouble deciding between 2 plans. I don't want to make a bad decision for my family, so I would appreciate any advice!
I have a family of 3
Plan A:
Deductible: $4k individual, $8k family
OOP Max: $8,150 indiv, $16,300 fam
Office visit: $25 primary office, $75 specialist
Price/year: $8,900
Plan B:
Deductible: $6k indiv, $12k fam
OOP Max: $6k indiv, $12k fam
Office visit: $0 after deductible for both
Price/year: $5,120
My son is 9 months old, and we are hoping to have another kid this year, but aren't pregnant yet.
Am I crazy for thinking Plan B sounds better? Even if we do end up having another baby this year, Plan B seems to cap the cost at $6K for my wife, and Plan A deductible doesn't kick in until $4k of expenses. Only benefit I see is the office visit price, which doesn't seem like it makes up for the $3,700 Price difference.
Am I understanding this correctly?
Thanks!
(Sorry for the spelling mistake in the title!)
I have a family of 3
Plan A:
Deductible: $4k individual, $8k family
OOP Max: $8,150 indiv, $16,300 fam
Office visit: $25 primary office, $75 specialist
Price/year: $8,900
Plan B:
Deductible: $6k indiv, $12k fam
OOP Max: $6k indiv, $12k fam
Office visit: $0 after deductible for both
Price/year: $5,120
My son is 9 months old, and we are hoping to have another kid this year, but aren't pregnant yet.
Am I crazy for thinking Plan B sounds better? Even if we do end up having another baby this year, Plan B seems to cap the cost at $6K for my wife, and Plan A deductible doesn't kick in until $4k of expenses. Only benefit I see is the office visit price, which doesn't seem like it makes up for the $3,700 Price difference.
Am I understanding this correctly?
Thanks!
(Sorry for the spelling mistake in the title!)