The IRS Deductions Blog

Posts Tagged ‘copay’

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Question: Debating on 2 different health insurance–HELPPPPP!!!?

I’m working 2 jobs, a ft & a pt. I need help deciding which health insurance to pick. One thing to keep in mind– I am currently pregnant (11 weeks), so need the BEST coverage recommendation.

*first health benefit-full time job: (single only)
-$28.16 weekly cost
-Deductible=$1300
-70% after deductible
-$30 copay then 100%
-$1,000,000 life time maximum benefit– (i have no clue what that is)
*in this plan, there is a choice of ppo & non ppo.. what is the difference??

*second health benefit part time- (single)
+option 1
-$50 weekly cost
-Deductible = $250
-90% to $10,000 coinsurance
-$30 copay then 100%
-2,000,000 life time maximum

+option 2
-$43.00 weekly cost
-500 Deductible
-90% to $10,000 coinsurance
-30 copay then 100%
-same 2,000,000 life time maximum.

+option 3
-35.00 weekly cost
-1000 deductible
-80% to $10,000 coinsurance
-30 copay then 100%

I don’t know which insurance option i should go with.. i don’t want to be cheap..

Answer: You should probably choose this one:
*second health benefit part time- (single)
+option 1
-$50 weekly cost
-Deductible = $250
-90% to $10,000 coinsurance
-$30 copay then 100%
-2,000,000 life time maximum

*It has the best benefits, but costs a bit more per month.

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Copays, Co-Insurance and Deductibles

Question: Pregnancy and Medical bills…?

I was on medicaid for pregnant women with 1st pregnancy, but now I am on BCBS of florida through my husbands work… They want me to dish out a $500 Deductible and 20% of the bill, which will be atleast $10,000… Can you get medicaid as a co-insurance to pay these outrageous bills???
BTW.. We live on one income, and we are not rich!!!!

Answer: Yes. If you get MPW it will act as a secondary insurance. So whatever your insurance doesn’t cover — it will.

You will need to check the income level requirements for Florida. I know where I’m at my husband can’t bring in more than $2800 for three people, and that’s counting the unborn baby. So for your situation he can only bring in X amount of dollars for four people. If it’s the same thing it is here.

I wish you the best!!! Do some research!

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