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Baby delivery & Insurance kastaalu


lapakilotupaki

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27 minutes ago, CuteDesiGal said:

Evaraina ardham ayela cheppandi vayya, jan lo baby born ki insurance burden ki relation enti?

please explain in detail 

Insurance policies will have fixed amounts per year before the benefits are paid , ded 2000$ , oop 5000$ , coinsurance 80% anuko , so 2018 lo 2000$ pay cheyali before insurance pays , then between 2000-5000$ , you have to pay 20% coinsurance so 15000 expenses aithe you will pay 20% of it until you cross your oop 5000$ , then you need not pay any more expenses for that calendar year

ippudu andaru cheppedhi enti ante , you have to pay this ded, oop per calendar year so Jan lo baby aithe december varuku ee year count avutundi and jan will count for next year , delivery will be usually 3000-5000$ etc so next year kuda motham oop varaku kattali , and ee current year doctor visits , ultrasound etc ki oop full kadataru so double expenses almost 

 

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23 minutes ago, Peddayana said:

Insurance policies will have fixed amounts per year before the benefits are paid , ded 2000$ , oop 5000$ , coinsurance 80% anuko , so 2018 lo 2000$ pay cheyali before insurance pays , then between 2000-5000$ , you have to pay 20% coinsurance so 15000 expenses aithe you will pay 20% of it until you cross your oop 5000$ , then you need not pay any more expenses for that calendar year

ippudu andaru cheppedhi enti ante , you have to pay this ded, oop per calendar year so Jan lo baby aithe december varuku ee year count avutundi and jan will count for next year , delivery will be usually 3000-5000$ etc so next year kuda motham oop varaku kattali , and ee current year doctor visits , ultrasound etc ki oop full kadataru so double expenses almost 

 

Got it. So end of yr like nov oct kids parents ki konchem advantage anamata. But still jan lo pudithe 1-2months lone ded reach avutharu kada becoz of delivery charges. And later kid ki chala visits untai kada appudu jus Co insurance kadithe chalu kada that way save avutharu kada

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