I just discovered that if you add your newborn to your insurance, your out of pocket max increases.
After doing some insurance math, my husband and I (living in Los Angeles) decided to get:
Me - Platinum Plan @ 937/mo, $0 deductible, $4,500 individual out of pocket max (double this for family)
Husband - Bronze Plan @ $460/mo, $6,300 deductible, $9,100 out of pocket max (double this for family)
I am due in March. What I'm trying to understand is, for when I give birth and pay for the full delivery hospital stay, will my out of pocket expense be $4,500? Or will it increase to $9,000 if I add the newborn to my plan?
If the latter, does it make sense to add the newborn to my plan or my husband's plan? Feeling incredibly confused and frustrated at the obscene US health care costs.
After doing some insurance math, my husband and I (living in Los Angeles) decided to get:
Me - Platinum Plan @ 937/mo, $0 deductible, $4,500 individual out of pocket max (double this for family)
Husband - Bronze Plan @ $460/mo, $6,300 deductible, $9,100 out of pocket max (double this for family)
I am due in March. What I'm trying to understand is, for when I give birth and pay for the full delivery hospital stay, will my out of pocket expense be $4,500? Or will it increase to $9,000 if I add the newborn to my plan?
If the latter, does it make sense to add the newborn to my plan or my husband's plan? Feeling incredibly confused and frustrated at the obscene US health care costs.