https://boards.hellobee.com/ Pregnancy, Baby and Parenting blog, by Hellobee en Thu, 28 May 2026 14:35:41 +0000 https://boards.hellobee.com/topic/how-to-decide-on-benefits#post-1635711 Thu, 15 May 2014 09:50:09 +0000 PurplePumps 1635711@https://boards.hellobee.com/ <p>Make a spreadsheet with what your total out of pocket would be for predicted spending. Then you can clearly see which is more beneficial and where the break even point for the plan is. Then you can decide based on if you think you will spend more or less than that point. I'd just been making a guess for YEARS until this year when I finally plotted all the data and it was quite an eye opener! </p> https://boards.hellobee.com/topic/how-to-decide-on-benefits#post-1635671 Thu, 15 May 2014 09:43:28 +0000 matador84 1635671@https://boards.hellobee.com/ <p>Sorry y'all I am just catching up. I have always been on plan one, which is crazy-less premium and less deductible. I gave the in network quotes-pretty much all drs in our town are in network since we have bcbs. Usually when I take the kids to the dr it's $45. Having two kids back to back we hit our deductible pretty quick, but no kids this year. </p> https://boards.hellobee.com/topic/how-to-decide-on-benefits#post-1635663 Thu, 15 May 2014 09:41:47 +0000 snowjewelz 1635663@https://boards.hellobee.com/ <p>I feel like plan 1 is more worth it as long as there aren't any catches! </p> https://boards.hellobee.com/topic/how-to-decide-on-benefits#post-1635625 Thu, 15 May 2014 09:31:39 +0000 Adira 1635625@https://boards.hellobee.com/ <p>@MamaG: I guess that's true. And if you're only going to go to the doctor's a couple times, then that may end up being cheaper in the long run.</p> <p>But I'd still go with Plan 1 because you just never know what will come up, especially with kids!</p> <p>@lawbee11: Glad I'm not the only one!! </p> https://boards.hellobee.com/topic/how-to-decide-on-benefits#post-1635620 Thu, 15 May 2014 09:30:47 +0000 2PeasinaPod 1635620@https://boards.hellobee.com/ <p>@matador84: Do you know if Plan 1 is restrictive on the network of doctors/hospitals that you can go to? And also, you're positive that there is no out of pocket max? If you want to PM me your email address, I'd be happy to take a look at the plan designs for you. I do this for a living! </p> https://boards.hellobee.com/topic/how-to-decide-on-benefits#post-1635610 Thu, 15 May 2014 09:28:02 +0000 lawbee11 1635610@https://boards.hellobee.com/ <p>@Adira: LOL I thought the same thing! </p> https://boards.hellobee.com/topic/how-to-decide-on-benefits#post-1635602 Thu, 15 May 2014 09:26:42 +0000 looch 1635602@https://boards.hellobee.com/ <p>Is plan 2 more expensive because you can choose whomever you want for specialists? </p> https://boards.hellobee.com/topic/how-to-decide-on-benefits#post-1635601 Thu, 15 May 2014 09:26:14 +0000 MamaG 1635601@https://boards.hellobee.com/ <p>@Adira: some people find comfort in co pays. Plan 2 has co pays instead of paying in full for each visit until deductible is met. </p> https://boards.hellobee.com/topic/how-to-decide-on-benefits#post-1635582 Thu, 15 May 2014 09:20:37 +0000 oliviaoblivia 1635582@https://boards.hellobee.com/ <p>Another vote for policy #1. </p> https://boards.hellobee.com/topic/how-to-decide-on-benefits#post-1635562 Thu, 15 May 2014 09:12:27 +0000 Adira 1635562@https://boards.hellobee.com/ <p>I am REALLY confused. It seems like Plan 1 is better in every way... am I missing something?? It's cheaper, has a lower family deductible AND pays 100% once the deductible is met... how can Plan 2 even compare?? I feel like I HAVE to be missing something here... </p> https://boards.hellobee.com/topic/how-to-decide-on-benefits#post-1635560 Thu, 15 May 2014 09:11:31 +0000 Mrs. Jump Rope 1635560@https://boards.hellobee.com/ <p>First option is cheaper. </p> https://boards.hellobee.com/topic/how-to-decide-on-benefits#post-1635557 Thu, 15 May 2014 09:09:56 +0000 matador84 1635557@https://boards.hellobee.com/ <p>Our open enrollment ends Monday and we have a choice of two plans. We don't plan on any major medical expenses this next year or medications.</p> <p>Plan 1-the kids and I are 314$ premium. It is a high deductible. $3k individual, $6k family. No out of pocket max. It pays 100% after deductible met.<br /> Plan 2-the kids and I are a $344 premium. It has a $3k Indiv/$9k family deductible. Oop max is $6350 indiv/12700 family. Pcp visits are 50$. Most all else pays 80% after deductible met.</p> <p>I know our insurance blows. Any pros/cons to which I should pick and why? </p>