I don't know why, this is just one of those things that I can never quite figure out. Feeling a little dumb.
So this is our current plan: https://www.mybenefitsnm.com/Docume...NM_PPO_01-01-16 to 12-31-16_2005-07-01_v2.pdf
My wife and I are planning on starting a family later this year, and I'm trying to figure out what I need to budget and also if it makes sense for me to be on a separate plan (my work would cover me, but the cost is the same so we just had us both on hers).
My questions are:
- Is the maximum out of pocket actually less if we're on separate plans, or does the individual rate apply to each individual? That is, if I were to spend basically nothing on healthcare and she spent a ton for her and the future baby, would her maximum be 3500 or 7000?
- Page 3 lists the "if you are pregnant" costs. Is that fairly all-inclusive? And am I understanding that it is really only 1000 + 30 for the first visit? That can't be it, right?
So this is our current plan: https://www.mybenefitsnm.com/Docume...NM_PPO_01-01-16 to 12-31-16_2005-07-01_v2.pdf
My wife and I are planning on starting a family later this year, and I'm trying to figure out what I need to budget and also if it makes sense for me to be on a separate plan (my work would cover me, but the cost is the same so we just had us both on hers).
My questions are:
- Is the maximum out of pocket actually less if we're on separate plans, or does the individual rate apply to each individual? That is, if I were to spend basically nothing on healthcare and she spent a ton for her and the future baby, would her maximum be 3500 or 7000?
- Page 3 lists the "if you are pregnant" costs. Is that fairly all-inclusive? And am I understanding that it is really only 1000 + 30 for the first visit? That can't be it, right?
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