Open Season 2023

Logical_Mongoose said:
All carriers most significant changes:

parks and recreation two funerals GIF
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And they probably closed the cost gap between self plus one and family plans even more.
 
Uglytaco said:
Aren’t you on GEHA now? If so what’s your experience been like?
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It’s been fine. My wife has used it more tbh. I haven’t had any reason to use it. But I’m thinking I’ll switch back to BCBS basic when we move to a family plan.

The United healthcare network is def smaller than the aBcbs basic network was
 
anyone know what the best investable HSA would be? I know I want to switch over to one of those but dont know where to start.
 
SharkBait said:
anyone know what the best investable HSA would be? I know I want to switch over to one of those but dont know where to start.
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I've been using GEHA's HDHP with investments in Devenir. When you start investing, you have the option to choose Devenir and/or TD ameritrade. I'm fairly sure you can have both of you want. I chose Devenir because it was free and TD charges fees. I just started it this year and have almost $2,000 in there. It's worked out pretty well. They deposit $75 monthly in there and I do $100/paycheck. Lmk if you have any other questions about it.
 
Mike Kilo said:
It’s been a joke since they added the self plus one option. I’ll look and see if any of them have made changes for the better.
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Self plus one is relatively expensive because it’s most commonly used by empty nesters which are older and more expensive to insure. Or so I’ve read.
 
I’m with BCBS Basic now, looks like a lot of the benefits are getting quite a bit worse next year though with an increase in premiums. Pretty disappointing. An ER visit alone is going up from $175 to $250 co pay per trip.
 
ClearanceClarence said:
I’m with BCBS Basic now, looks like a lot of the benefits are getting quite a bit worse next year though with an increase in premiums. Pretty disappointing. An ER visit alone is going up from $175 to $250 co pay per trip.
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Still pretty good considering most people wind up owing thousands when they go to the ER
 
Bgsbya said:
Anyone have any input on plans for those with children, or planning to have a child in the next calendar year or so?
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Birth of a child is a life event... you can change your plan outside of open season for that.... getting pregnant may even be as well. I wouldn't change your plan based on a potential future.
 
Bgsbya said:
Anyone have any input on plans for those with children, or planning to have a child in the next calendar year or so?
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We had GEHA standard for the birth of our last kid, all maternity stuff was 100% covered including the birth for a higher than normal risk pregnancy.

One downside was that once the kid was born, they become their own patient and none of the maternity stuff applies. Our son spent a week in the NICU and we ended up paying nearly $4k for $30k-ish in bills.
 
SharkBait said:
anyone know what the best investable HSA would be? I know I want to switch over to one of those but dont know where to start.
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GEHA HDHP, max out for a few years if single or plus one. Specially before having kids.

It also includes 2 teeth cleanings per year which includes X-rays.
 
BrocolliRob said:
We had GEHA standard for the birth of our last kid, all maternity stuff was 100% covered including the birth for a higher than normal risk pregnancy.

One downside was that once the kid was born, they become their own patient and none of the maternity stuff applies. Our son spent a week in the NICU and we ended up paying nearly $4k for $30k-ish in bills.
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We have BCBS Basic for Self+1 right now, and have one due before the end of this year. I suppose we will see the fall out after the birth and go from there. She’s deemed high risk but just about everything has seemingly been covered. We have paid MAYBE $1k out of pocket over the course of the year for everything, including various lab works, copays, and emergency surgery. Cannot complain…. Yet.
 
Bgsbya said:
We have BCBS Basic for Self+1 right now, and have one due before the end of this year. I suppose we will see the fall out after the birth and go from there. She’s deemed high risk but just about everything has seemingly been covered. We have paid MAYBE $1k out of pocket over the course of the year for everything, including various lab works, copays, and emergency surgery. Cannot complain…. Yet.
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Can’t you just switch to whatever family plan would be the best right after the birth?
 
32andBelow said:
Can’t you just switch to whatever family plan would be the best right after the birth?
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Yes, I understand that. I just know how insurance can be and was looking for people’s input and past experiences, all those ”if this, then that,” scenarios. BrocolliRob ’s GEHA experience above maybe is the perfect plan to have a kid on, but not if they spend their first weeks in the NICU.

No way to predict the future, but if we don’t conceive in the first 3 months of next year we won’t have another in the next calendar year, so avoid Plans X, Y, Z since you won’t need the brunt of any maternity services. Try Plan D, E, F because it’s great for a family that doesn’t plan on having another next calendar year.

In a previous pregnancy, my wife had an emergency surgery which was deemed unrelated to the pregnancy. Every single line on the bill was billed as “Maternity Services” in various amounts. I’m not mad because they covered everything and we ended up owing nothing out-of-pocket. Would it have been different if she wasn’t pregnant, and just took our insurance for a ride? I don’t know.
 
Bgsbya said:
We have BCBS Basic for Self+1 right now, and have one due before the end of this year. I suppose we will see the fall out after the birth and go from there. She’s deemed high risk but just about everything has seemingly been covered. We have paid MAYBE $1k out of pocket over the course of the year for everything, including various lab works, copays, and emergency surgery. Cannot complain…. Yet.
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When I had my baby, bcbs backdated my change in enrollment to the birthdate so he was covered. I had to call to get it all situated but it was very fast and easy to deal with
 

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