by aaronsmommy » Jun 21, 2004 10:41 am
I think a lot of people with normal pgs end up paying the max with these plans, luckily with some the max is actually pretty low. I have one like this now and initially I freaked, but I think the max is $2000/year which isn't much more than I paid for my pg with my HMO plan.
When you are budgeting, remember you will probably need to pay the max for the family, since the baby will have his own charges. Also, sometimes things like the deductible, copays and pharmacy costs count toward the annual max, sometimes they don't.
I had an HMO plan with my son and it had an annual max too, I thought I had hit it after a bunch of hospital admissions that I had to pay $125 copay each, but it turned out hospital copays didn't count.
Then, there's trying to get everything planned within the same calendar year so you don't have to pay it all twice.
The medical bills for me and my son totalled about $750,000. HG can be expensive!!
Aimee
Aaron 12/4/02