We’re having our first baby – which employers insurance is better for our child?

We are each on our own health insurance plans through our different companies. The plans are as follows. Let me know if you need more information or what you would suggest. Also, if it's obvious we should all be on (1) plan together, let me know. Thank you very much!!!

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Option 1) Anthem Platinum PPO 15/40/10%

Deductible:

$0/person or $0/family for In-Network Providers

$2,000/person or $4,000/family for Non-Network Providers.

Out of Pocket Limit: $4,200/person or $8,400/family for In-Network Providers.

$8,400/person or $16,800/family for Non- Network Providers.

Co-Ins – 10%

PCP / SCP – $15 PCP / $40 SCP

Urgent Care – $40

ER – $200 ER Copay + 10%

In-patient stay – 10%

Outpatient surgery – $150 copay +10%

Option 2) Aetna Health Fund

Health Fund from the company:

$500 EE only
$1000 EE + Spouse
$1500 EE+Family
*Prorated Fund

Deductible:

$1000 EE Only
$2000 EE+Sp or Child
$3000 EE+Family
*Prorated

Co-Ins, PCP / SCP, Urgent Care, ER, Inpatient stay, outpatient surgery is all 10% after Deductible

submitted by /u/NextGen23
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