Originally Posted by
RgrMurdock
Anyone have any comparisons between the A and diamond if you're going through something relatively high cost like a pregnancy and a surgery in the same year? I clearly understand the benefits of diamond if you're not expecting anything big in the following year but if you are expecting some high bills are you better to go with the A plan?
Also, how come nobody talks about the EPO? I know it's one network but I've been using the UHC network for 10+ years and I've never gone to a doctor or specialist that doesn't take the insurance. Is there some other kind of pitfall there I'm not seeing?
To me it seems like comparing the out of pocket max is the way to go. Knowing that the Diamond for a E + 1 is $5000 and company HRA is $2000 plus my rollover from unused funds this year I am looking at around only 2k out of pocket regardless of how much expense comes our way. Grand scheme of things isn't that bad especially with the affordable monthly premiums.
FWIW we are going through the same family building process as well.
(I could be looking at it completely wrong too)