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)