Adding my wife to my plan Mid Year. Help My pick My Plan [With UnitedHealthCare]
Background. I hit my out of pocket and deductible for my current plan. My wife needs to get added to my plan. As we will be having a lot of doctores appointments for her pregnancy. So please put that into consideration I have narrowed it down to 2 plans:
Plan 1 (CURRENT PLAN WHICH I HIT MY OUT OF POCKET & DEDUCTIBLE)
UHC Choise Plus 500 (80)
-Cost w/ Spouse: $422/month
Deductible: $500 individual. $1500 Family
Out of pocket: $5,000 individual. $10,000 family
Physician office: $35
Specialist office: $60
Outpatient or inpatient surgery: 20%
Urgent Care $75
Emergency $250
UHC Choice Plus HDHP 1600
Cost w/ Spouse: $355/month
Deductible: $1,600 individual. $3,200 Family
Out of pocket: $4,000 individual. $7,350 family
Physician office: 10%
Specialist office: 10%
Outpatient or inpatient surgery: 10%
Urgent Care 10%
Emergency 10%
So what I am most curious about, is what do you think would be the better plan to get for my wife and I when we will be having a lot of appointment to go to for the rest of the year?
