Probably not many on here but looking to see how much folks on DPMP pay for child delivery ? I recall seeing a thread months ago about the Gold HSA costing around 5k.. curious if DPMP is similar. Thanks for any info .

 

The Gold HSA shouldn't cost $5k considering that the deductible is $1,300 and the max out of pocket is $2,500. That means the most it will cost you in $3,800 if you go to in-network providers.

 

DPMP deductible is $350 and max out of pocket is $2350. Good thing about DPMP is that you pay the same for in our out of network.

 

It should only cost 2500.

 

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.

 

The bad thing is you're paying more than twice in monthly premiums. In the end, it all works out to be close to even.


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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.

 

Great info about the vendors. I was fortunate to not have to deal with that.


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Wife has some medical issues, I rather have less deductible so the 80% kicks in faster.

When pilots are making 150k or more a year, they definitely can afford better health care. HSA has different deductibles and co insurance out of network. With the DPMP you can go out of network with the same deductible and co insurance. That's why I pay "double", which is about $6 more than I payed in my regional health plan.

 

My overriding point is that the low premium HSA plans plus higher deductibles is really close to the high premium DPMP plus lower deductibles. In fact, if you ask KB-F in the ALPA benefits office she'll give you information suggesting the cost of the DPMP plan if one hits all of the maximums is higher than the Gold HSA when accounting for the Delta Rewards money.

And allow me to correct myself. DPMP isn't more than double as I said above. It's $574 vs. $348 for the Gold HSA.