Hubby DeathLlama and I both have medical insurance through our jobs. Mine is an HMO where we have to pay the family rate–this was the vote last year. Even though some are single with no dependents, they need to pay the same amount as someone married with six kids. Anyway, because of that, both DeathLlama and RuffLlama were added to my plan, but neither have ever actually used my insurance. DeathLlama has a PPO plan, which despite paying out of pocket, has been preferable as we don’t have to do the referral song and dance. RuffLlama was placed under hubby’s plan because of the PPO flexibility, but also because the pediatrician’s office apparently just goes with whichever parent’s birthday comes first in a calendar year.
It seems like there should be a way to link the two–perhaps have one be secondary insurance to the other–so we can avoid copays and the like. But, these are two different insurance companies (Blue Cross and Blue Shield) and two different types of plans (PPO and HMO), so I don’t know how feasible that is.
With baby #2 on the way, we’d obviously like to save some money–but also get the best coverage we can.