https://boards.hellobee.com/ Pregnancy, Baby and Parenting blog, by Hellobee en Sat, 20 Jun 2026 07:57:30 +0000 https://boards.hellobee.com/topic/help-with-insurance-options#post-2657860 Mon, 28 Nov 2016 10:42:21 +0000 KayKay 2657860@https://boards.hellobee.com/ <p>The HDHP. With the PPO, you're definitely paying $2400 more per year (premiums), even if you have no health costs. That more than makes up for the difference in deductibles ($1800), especially if you aren't anticipating any major medical events. </p> https://boards.hellobee.com/topic/help-with-insurance-options#post-2657856 Mon, 28 Nov 2016 10:34:45 +0000 sapphire 2657856@https://boards.hellobee.com/ <p>I would do the high deductible since it fully covers well visits and the premiums are a lot cheaper and you're not looking at a lot of expenses this year. And it's still not a super high deductible. </p> https://boards.hellobee.com/topic/help-with-insurance-options#post-2657854 Mon, 28 Nov 2016 10:31:44 +0000 peaches1038 2657854@https://boards.hellobee.com/ <p>Here is the info for my medical plan options. We did the high deductible plan last year and it was mostly fine, except it was difficult to find a pulmonologist in network for DS. We have one now, but it is over an hour drive away. We have no major medical expenses coming up this year, other than managing DS’s respiratory issues, which is through medication at this point. Which would you choose?</p> <p>Blue Cross High Deductible Plan (limited Network) = $136.01 per paycheck = $3536.25 per year<br /> Deductibles: $1500 individual / $3000 family<br /> Copays: $40 sick visit / $60 specialist visit / $0 vaccines and well visits / 20% co-ins X-ray, blood work, MRI, CT / $75 ER Services / 20% co-ins Urgent Care / $15 prescriptions</p> <p>BC PPO = $228.93 per paycheck = $5952.18 per year<br /> Deductibles: $600 Individual / $1200 Family<br /> Copays: $30 sick visit / $30 specialist visit / $30 vaccines and well visits / 20% co-ins co-ins X-ray, blood work, MRI, CT / $75 ER Services / $0 Urgent Care / $10 prescriptions</p> <p>DH, DS (1 year old) and I spent $1700 out of pocket last year, including $300 of prescriptions<br /> DS sees a Pulmonologist (specialist) 2x/year.<br /> DS usually has 1-2 chest x-rays per year<br /> DS will have 3 well visits in 2017. </p>