Kid planning and health insurance coverage

[Merabharathmahan]

Mid of the year lo kid planning start chesthe next year ki delivery ayithe health insurance deductables 2 years ki untay kada. doctor check ups ki this year and then delivery ki early next year.  Ee health insurance godava ento. Kid planning year starting lone esthe end of the year lopu delivery ayithe health insurance deductables correct ga use avutay kada. Experienced people suggest. Nadi contracting employer group health insurance. 2 years ki okasari employer health insurance company ni change chestadu if premiums go up. 

[andhrabullet]

ee year lo delivery aithe aa year ki deductible untai

[mastercheif]

19 minutes ago, Merabharathmahan said:

Mid of the year lo kid planning start chesthe next year ki delivery ayithe health insurance deductables 2 years ki untay kada. doctor check ups ki this year and then delivery ki early next year.  Ee health insurance godava ento. Kid planning year starting lone esthe end of the year lopu delivery ayithe health insurance deductables correct ga use avutay kada. Experienced people suggest. Nadi contracting employer group health insurance. 2 years ki okasari employer health insurance company ni change chestadu if premiums go up. 

baaga confusion and misinformed ga unnav. questions one by one adugu.

calender year deductible aa year ke . pre-delivery check up's and delivery date different years lo unte deductibles add avvavu. yeah year di aa year ke.

it will take time to understand how insurance works. days/weeks. just spend time and  accept that you have to spend money

[Merabharathmahan]

21 minutes ago, andhrabullet said:

ee year lo delivery aithe aa year ki deductible untai

Jan or feb lo delivery ayithe danikante mundu year regular check ups avi ivi untay kada vatiki kooda deductibles avutay kada 

[mastercheif]

1 minute ago, Merabharathmahan said:

Jan or feb lo delivery ayithe danikante mundu year regular check ups avi ivi untay kada vatiki kooda deductibles avutay kada 

wrong ....

[Merabharathmahan]

1 minute ago, mastercheif said:

baaga confusion and misinformed ga unnav. questions one by one adugu.

calender year deductible aa year ke . pre-delivery check up's and delivery date different years lo unte deductibles add avvavu. yeah year di aa year ke.

it will take time to understand how insurance works. days/weeks. just spend time and  accept that you have to spend money

If delivery is in February or march then prior year lo check ups ki vatiki entha avvochu (before delivery 9 months varaku emem expenses undochu medical vi)

[mastercheif]

5 minutes ago, Merabharathmahan said:

If delivery is in February or march then prior year lo check ups ki vatiki entha avvochu (before delivery 9 months varaku emem expenses undochu medical vi)

only godpk can answer this... depends on your insurance rate, doctor rate, wife's health.

$500 nunchi $5000 daak aavacchu

[Merabharathmahan]

1 hour ago, mastercheif said:

only godpk can answer this... depends on your insurance rate, doctor rate, wife's health.

$500 nunchi $5000 daak aavacchu

ok. e month nundi ekkuva medication or scans or doctor visits untay (6th month nunda?) 

 

[innovative]

52 minutes ago, Merabharathmahan said:

ok. e month nundi ekkuva medication or scans or doctor visits untay (6th month nunda?) 

 

starting nunchi vuntay.. Not only from 6th month.. Usually, upto 7 months every month check up vuntadhi after that every two weeks ki. These check ups includes blood works n any scans necessary..

[Spartan]

anni insurance fully covered kada..malli copays endi.

i didnt pay single penny for 9 months..and 100$ for delivery ante..

 

why thinking so much about kid man..

[Merabharathmahan]

3 hours ago, Spartan said:

anni insurance fully covered kada..malli copays endi.

i didnt pay single penny for 9 months..and 100$ for delivery ante..

 

why thinking so much about kid man..

ok. depends on plan. contracting lo unna (not full time). Employer group insurance theesukunna. Kid planning middle of the year nundi start chesthe yearly next year lo delivery untadi kada so this year medical check ups and scans ki kooda mana deductibles and max out of pocket nundi cut avutay kada and again next year delivery ki malli deductibles n max out of pocket. 

[mastercheif]

4 hours ago, Spartan said:

anni insurance fully covered kada..malli copays endi.

i didnt pay single penny for 9 months..and 100$ for delivery ante..

 

why thinking so much about kid man..

Nee plan was Kaiser plan man... Anduke antha cheap . Per month insurance ki 500 pay chestha for family still naaku 3500 kharchu ayyindi. 

 

[Merabharathmahan]

2 hours ago, mastercheif said:

Nee plan was Kaiser plan man... Anduke antha cheap . Per month insurance ki 500 pay chestha for family still naaku 3500 kharchu ayyindi. 

 

Year madyalo ayinda ba delivery

[mastercheif]

17 minutes ago, Merabharathmahan said:

Year madyalo ayinda ba delivery

Ee year gola yendhi man . Yenni sarlu cheppina neeku artham kavatledu 

[athadu]

MOOP - Maximum out of pocket/member - let us say its $2500 in your case.. 

Ni case teesukundamu.. ee year lo pregnancy confirm aindi next year ki delivery undi...

Year 1: ee year lo hospital checks and stuff anta kalipi 2500 pay chesavu.. so anything after this 2500 in the current year.. insurance company is responsible for it..

Year 2: ee year lo ni MOOP.. resets to 0.. and ee year lo aye expenses anni you have to meet.. till this $2500.. after that insurance responsibility.. complete ga..

fyi.. year 2 lo kid vachaka.. immediate ga..they allocate a bucket with a MOOP of $2500 for her..