Chatting with one of hubby’s friend’s last night got me thinking about this, so here I am asking for input.
Baby Boy 2.0 isn’t due until January 2, and because I cook 'em big and fast, the C-section is scheduled for December 21. Baby Boy is not patient, though, and I have twice been to the hospital in the last week to stop (or at least, turn down the volume on) contractions. He could quite easily show up this week at 36 weeks…darn close to full term, so not too scary.
I assumed we’d be adding Boy to hubby’s PPO insurance as we did with our first. We opted for that as it gave us the freedom to go wherever we want without worrying about referrals. It is more expensive, though, in that we pay something like 20% (I’m not entirely sure) for various medical tests and procedures. Adding another dependent on this plan apparently will cost us another $70 or so a month, so there’s that added expense as well.
My HMO is, of course, an HMO–so we must Go Where They Say When They Say. But, there is no added expense. I already pay the family rate, so having another dependent won’t cost us anything in monthly fees, and as long as we play the referral game (and they’ve always been good about that; it just goes slower than we’d prefer), there is nothing out of pocket shy of $15 copays. I have had two back surgeries in two years and paid not a cent for either of them.
I thought about having the boys on both insurance so they’re completely covered, but when I asked about that here a few months ago I was warned we’d run the risk of the two insurance companies arguing about who should pay what.
FTR, the two plans are with two different major medical insurance companies. They do, however, service the same providers–our docs take both of them. I don’t know if that has any impact or not.
So…PPO and more $, or HMO and more freedom?