準備懷孕保險選擇 - 海外工作
By Rebecca
at 2018-11-15T14:54
at 2018-11-15T14:54
Table of Contents
最近要選明年的保險
目前有計劃懷孕 2018年保險為HDHP
不知道計畫懷孕 保險選擇HDHP會適合嗎?
想聽聽版友們的意見
目前我公司提供的HDHP(for family)為:
Annual deductible: 2700 (in-network) 5100(out-of-network)
(未達Annual deductible要全自負)
Annual out of pocket: 6400 (in-network) 16,000 (out-of-network)
HSA 公司會contribute 1000
Office or hospital visit: 20% (in network) 40% (out of network)
Maternity outpatient care: 20% (in network) 40% (out of network)
Maternity inpatient care: 20% (in network) 40% (out of network; subject to ma
ximum payment of $360/day)
目前只是計畫懷孕
所以也不確定能不能順利懷上
所以想選個不那麼花錢的保險
目前的HDHP 好處是可以contribute HSA所以就算沒懷孕也可以準備錢以便未來使用
但是又擔心選到太差的保險 真的懷孕後財務上會很吃力
不知道一般懷孕生子 大概會花多少錢
如果我繼續使用這個保險會不會太冒險
還是應該選擇其他月費比較高但是比較能預知費用的保險計劃?
謝謝大家的意見
--
目前有計劃懷孕 2018年保險為HDHP
不知道計畫懷孕 保險選擇HDHP會適合嗎?
想聽聽版友們的意見
目前我公司提供的HDHP(for family)為:
Annual deductible: 2700 (in-network) 5100(out-of-network)
(未達Annual deductible要全自負)
Annual out of pocket: 6400 (in-network) 16,000 (out-of-network)
HSA 公司會contribute 1000
Office or hospital visit: 20% (in network) 40% (out of network)
Maternity outpatient care: 20% (in network) 40% (out of network)
Maternity inpatient care: 20% (in network) 40% (out of network; subject to ma
ximum payment of $360/day)
目前只是計畫懷孕
所以也不確定能不能順利懷上
所以想選個不那麼花錢的保險
目前的HDHP 好處是可以contribute HSA所以就算沒懷孕也可以準備錢以便未來使用
但是又擔心選到太差的保險 真的懷孕後財務上會很吃力
不知道一般懷孕生子 大概會花多少錢
如果我繼續使用這個保險會不會太冒險
還是應該選擇其他月費比較高但是比較能預知費用的保險計劃?
謝謝大家的意見
--
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