2024 Presidential Election
Yesterday
308
Democrats, illegals.
Tech Industry
Yesterday
1112
Eliminate PMs. Glorified meeting facilitators
Tech Industry
2d
3076
I created a fake female Tinder profile for experiment
Personal Finance
Yesterday
965
To non-engs (but at high tech industry) , what is your current NW and age?
Tech Industry
Yesterday
1184
Broadcom Layoffs : Terminated during FMLA
We are expecting delivery of our child next year (in the first quarter). I am currently having Aetna HealthSave HSA plan. I am wondering if I should continue with this plan or switch to Kaiser in Bay Area for the next year. The cons of switching are: I will lose the HSA benefits (employer contribution of $1700) and will also need to find a new ob/gyn doctor in Kaiser and switch. Also, the cost per paycheck is high for Kaiser. Hence, wondering if it is better to switch to Kaiser from overall cost and convenience perspectives or not. Please advise. #insurance
Take whichever insurance offers better coverage. My wife was due to have a happy and healthy delivery for our first child and we ended up with a 16 day nicu stay. I was fortunate to have good insurance coverage without a huge max out of pocket because we rang up hundreds of thousands in the hospital between the nicu stay, various procedures and tests, etc. Once you have a healthy baby at home, you can then change the plan (birth of child is life changing event) or wait until the end of year during open enrollment to change. That's just my two cents
Agree, make sure you got good coverage. Bills can get unexpectedly very high in the Bay Area for delivery. And you don’t want to take chances just hoping everything will go smooth... but of course it will 👌also ended with 3 days in nicu and more than 100 k in bills. Glad all was covered by insurance
Kaiser is incredible for OB care. The one thing is you need to always be in network (unless urgent or emergent) but I’ve never felt more safe with an insurance company. Their OB staff is incredible. My delivery was $100 out of pocket with a 3-day stay. Not all Kaiser plans are the same but read your explanation of benefits (EOB) for the Kaiser plan to see how much OB coverage is. I can tell you my physicians have been incredible. Check out profiles on their websites if you want to see the caliber, but I can’t say enough good things.
Do not do HSA high deductible plan for child birth. It is a lot of money and you will exceed out of pocket maximum right away. If you cannot switch to PPO get Kaiser.
Yes, this makes sense. Thanks. In the Aetna plan, insurance co-pays start after reaching the initial $2800 limit upto which deductible is to be paid fully out of pocket. And, out of pocket maximum (in network) is $6900. Is switching still advisable?
Yes if you can switch due to open enrollment or life changing event like in and out of employment. Don't do high deductable plan for child birth.
Thanks all for clarifying regarding the pros and cons. I currently have a good ob/gyn doctor under Aetna plan. Based on your experience with Kaiser, upon switching, is it easy to get a good ob/gyn doctor assigned in Kaiser in Bay area (as it would also be subject to their accepting new patients)? Asking this, as I want to have an uncomplicated delivery and avoid C-section at all costs.
They have good doctors, but Kaiser usually won't let you pick the doctor you see on duty. When you are delivering most of the time it is a doctor on duty instead of who you used to see. Babies don't come on time like a meeting. C section or not has to do mainly with your baby size and your hip size, not which obgyn you have.
@TrollFood - Thanks for the clarification about on-duty doctor doing the delivery usually! In my country of origin, most doctors/hospitals do C-section by default - as it is timewise more convenient as well as profitable for them - in spite of our requesting/pleading them otherwise. Hope that is not the case here.
This is going to sound crazy...but you should do the math 😦