I can’t figure out how to financially make this work
We're presented with 2 different options. We're a family of 5. 3 kids under 7 years old. Recently income cut more than half after job loss. Can't figure out how to pay for this and still cover bills under either plan. This is biweekly. Neither of these plans feel doable. The deductibles are so high before anything is even covered plus those high biweekly payments. I could just take the family to the city clinics for checkup. I could do self pay for anything else. We're hoping to conceive this year but at this point we wouldn't even have a baby in 2025. I could get insurance in November when open enrollment comes if we do conceive although I believe pregnant women are covered when they don't have insurance, so I don't think that's really a worry either. I understand the idea of insurance being for the very worst, but when presented with needing to pay the bills… what in the hay do we do. Thanks for the thoughts and advice.
PPO HSA* High Deductible Family deductible: $6,000 Family deductible: $10,000 After deductible is met, the plan pays (coinsurance): 80% in-network / 60% out-of-network After deductible is met, the plan pays (coinsurance): 80% in-network / 60% out-of-network Physician Office visits: $30 co-pay per visit – Primary Care $60 co-pay per visit – Specialist in-network Physician Office visits: 20% after deductible is met – Primary Care / Specialist in-network 40% after deductible is met – Primary Care / Specialist out of-network 40% after deductible is met – Primary Care / Specialist out of-network Teladoc Services: $0 co-pay Teladoc Services: 20% after deductible Emergency room: $250 co-pay Emergency room: 20% after deductible Prescription Drugs (Retail/Mail Order): Subject to co-pays Prescription Drugs (Retail/Mail Order): Subject to deductibles and coinsurance EE + Fam: $607.02 EE + Fam: $426.20 *Employer contributes prorated amount to Health Savings Account per paycheck: $19.23 for Employee only coverage or $38.46 for Employee + dependent(s). submitted by /u/Dense_Maize_4724
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