Originally Posted by
WhiskeyDelta
This is bad info.
The Gold HSA family deductible is $2600. So everybody on the family plan contributes to this amount, meaning one person can have it all or it's shared amongst the family. Next comes the co-insurance. This has a family max of $5000, however, it's treated different than the deductible. While the family max is $5000, each individual's max is $2500. That $2500 represents 20% of the remaining bills she will accrue above the deductible. So if she accrues $15,100 or more in charges (throughout the entire pregnancy), you'll pay the full $5100. ($2600 + ($12500 x 0.20)) = $5100.
I know this well because my wife gave birth in January. Unfortunately, we had to contribute to two different plan years and ended up paying more than the $5100. Obviously we didn't plan this well. The good news is we are only paying 20% for our kids and myself the rest of the year, however.
I would also like to add that a few weeks after the birth, the baby starts accruing it's own bills. The other thing I ran into was even though I had an in-network doctor at an in-network hospital, there were a lot of vendors that were all out-of-network thus not counting towards deductible. I now know you have to call our insurance and they will switch the surprise vendors to in-network.
Prepare to make lots of phone calls. The medical billing errors are astounding. Watch everything closely.