(향후 2년안에 임신계획이 있는경우) 회사보험선택 관련 질문드립니다.

안녕하세요.

이번에 이직을 하게 되면서 어떤 보험 커버리지가 저와 P2에게 유용하게 작용될지 모르겠어서 마모님들에게 질문드립니다..

현재  저와 P2는 따로 각자의 회사보험을 들고있지만, 이번기회에 제 회사 밑으로 둘다 들어오려고 합니다. 2년안에 아이를 가질 계획도 가지고 있어서 보험 선택에있어 더 고민이 되네요. 임신했을 경우 어떤부분을 중점적으로 봐야하는지 궁금합니다..  제가 고민하고 있는 플랜은 아래와 같습니다.

 

보험1.

Individual deductible: $0

Family deductible: $0

Individual out-of-pocket maximum: $3,500

Family out-of-pocket maximum: $7,000

- What you pay(toward your out-of-pocket maximum)

Preventive care: $0

Onsite clinic: $20

Telemedicine: $10

Primary care provider(PCP) visit: $15

Specialist visit: $50

Outpatient hospitalization: $500/day, $1,500 max

Retail/convenience clinic visit: $20

Urgent care: $75

Emergency room: $300

Basic radiology: $50

Advanced radiology: $100

Outpatient marriage/ couples/ family counseling: $50

>>Contributions:

$252.25/m, $3,027/year(P1+P2)

$3,39.57/m, $4,074.84/year(P1+family)

 

보험2.(out of network 는 포함하지 않았습니다.)

Individual deductible: $850

Family deductible: $2,550

Individual out-of-pocket maximum(including deductible): $2,850

Family out-of-pocket maximum(including deductible): $7,550

- What you pay(after deductible except where noted)

Preventive care: $0

Telemedicine(including Doctor On Demand) $20 copay(no deductible)

Primary care provider(PCP) visit: $30 copay(no deductible)

Hospitalization: 20% coinsurance

Specialist and urgent care: $20 coinsurance

Emergency room: $100 copay n(waived if admitted) + 20% coinsurance

>>Contribution:

$298.61/m, $3,583.32/year(P1+P2)

$401.98/m, $4,823.76(P1+family)

 

보험3(PPO)(out of network 는 포함하지 않았습니다.).

Individual deductible: $225

Family deductible: $450

Individual out-of-pocket maximum(including deductible): $1,500

Family out-of-pocket maximum(including deductible): $3,000

- What you pay(after deductible except where noted)

Preventive care: $25 copay(no deductible)

Telemedicine(including Doctor On Demand) $20 copay(no deductible)

Primary care provider(PCP) visit: $25 copay(no deductible)

Hospitalization: 10% coinsurance

Specialist and urgent care: $40 copay(no deductible)

Emergency room: $100 copay(waived if admitted)

>>Contribution:

$253.06/m, $3,036.72/year(P1+P2)

$428.32/m, $5,139.84/year (P1+family)