Originally Posted by
CavSct1983
Grant,
We have the Gold plan+Brother's Keeper (the kicker required for BK is negligible and I highly recommend it if you don't have it). When our 1st son was born, the self-pay rate at the hospital was a final bill of $4000, and CHM covered everything involved. He was also covered under my wife's coverage for all the well-baby visits, etc. Once that window closed we added him to the plan. When our next one comes, it will cap us out at the $450 per month, per family for Gold plan.
If you have any questions about things relating to getting pay plans set up with the docs, hospital, etc. so CHM can pre-cut the check, please let me know -- my wife is good to go on navigating that.
At my last job I literally laughed at HR when they told me the rates for the health insurance because of the cost vs coverage comparison of it and CHM -- CHM being much more sensible. The key for us has been to simply save that extra money for when the sniffles happen and it doesn't meet the onus of the incident deductible. I'd have to go back and look at average healthcare costs for us vs what it would have been under insurance, but I'm 99% sure we saved money with CHM.
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