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xosweetiexo
LIF Adolescent
Member since 8/09 856 total posts
Name:
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Teachers- HEALTH PLANS?
I work in NYC and right now I have GHI-CBP and that is the basic plan.... now that we are getting ready to TTC...we need to get a better insurance to cover basics for the pregnancy.
What health plan do you currently have and do you about how much it costs? Or ballpark? ANy information would be helpful...thank you
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Posted 8/28/09 9:12 PM  |
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Long Island Weddings
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Re: Teachers- HEALTH PLANS?
Do they have a website where you can compare the plans? My husband is a federal employee & they have a site that you can do that. Sorry I am no help.
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| Posted 8/28/09 10:49 PM |
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xosweetiexo
LIF Adolescent
Member since 8/09 856 total posts
Name:
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Re: Teachers- HEALTH PLANS?
Posted by getinmybelly18
Do they have a website where you can compare the plans? My husband is a federal employee & they have a site that you can do that. Sorry I am no help.
I tried looking tonight with no luck! Thank you anyway
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| Posted 8/28/09 10:59 PM |
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PennyCat
Just call me mommy :)
Member since 7/08 19084 total posts
Name:
Jib
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Re: Teachers- HEALTH PLANS?
Hmm I'm a teacher and I believe that is the plan we use.... I wasn't planning on switching. Is there a reason I should look into different plans? What's wrong with that one for TTC?  It's great so far...... the $15 copays  Although those were never for TTC appts...... my first TTC appt w/ my OB is in 3 weeks 
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| Posted 8/28/09 11:00 PM |
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xosweetiexo
LIF Adolescent
Member since 8/09 856 total posts
Name:
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Re: Teachers- HEALTH PLANS?
Posted by PennyCat
Hmm I'm a teacher and I believe that is the plan we use.... I wasn't planning on switching. Is there a reason I should look into different plans? What's wrong with that one for TTC? It's great so far...... the $15 copays Although those were never for TTC appts...... my first TTC appt w/ my OB is in 3 weeks
I just assumed it didnt include coverage for pregnancy because its the most "basic" package. Does it include sonograms and stuff? What about coverage for our stay at the hospital?
Yes, we also have the $15 copay for the gyno as well....but I wasnt sure how much it covered with all the other stuff that comes along with having a baby.... We want to make sure we are covered soon so that when I actually do get PG, we wont encounter money issues.
When is your 1st TTC appt?? Mine is at the end of September!!
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| Posted 8/28/09 11:09 PM |
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PennyCat
Just call me mommy :)
Member since 7/08 19084 total posts
Name:
Jib
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Re: Teachers- HEALTH PLANS?
Posted by xosweetiexo
Posted by PennyCat
Hmm I'm a teacher and I believe that is the plan we use.... I wasn't planning on switching. Is there a reason I should look into different plans? What's wrong with that one for TTC? It's great so far...... the $15 copays Although those were never for TTC appts...... my first TTC appt w/ my OB is in 3 weeks
I just assumed it didnt include coverage for pregnancy because its the most "basic" package. Does it include sonograms and stuff? What about coverage for our stay at the hospital?
Yes, we also have the $15 copay for the gyno as well....but I wasnt sure how much it covered with all the other stuff that comes along with having a baby.... We want to make sure we are covered soon so that when I actually do get PG, we wont encounter money issues.
When is your 1st TTC appt?? Mine is at the end of September!!
Ohh ok, well I'm actually not sure about any of the benefits we get on that plan for having a baby....Definitely something I SHOULD know though!! I remember once hearing something on the board that it was $350(copay) for the hospital stay when you give birth, but I don't remember what exactly that covered (how many nights, vaginal vs. c-section.....) So, if you find out anything let me know and I'll do the same!
My TTC appt is for September 22nd
Also on a side note... as a teacher, are you at all worried about wide-spread swine flu in your school while being pregnant? Sorry, I know this is off topic from your original post, it's just on my mind 
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| Posted 8/28/09 11:18 PM |
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xosweetiexo
LIF Adolescent
Member since 8/09 856 total posts
Name:
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Re: Teachers- HEALTH PLANS?
Posted by PennyCat
Posted by xosweetiexo
Posted by PennyCat
Hmm I'm a teacher and I believe that is the plan we use.... I wasn't planning on switching. Is there a reason I should look into different plans? What's wrong with that one for TTC? It's great so far...... the $15 copays Although those were never for TTC appts...... my first TTC appt w/ my OB is in 3 weeks
I just assumed it didnt include coverage for pregnancy because its the most "basic" package. Does it include sonograms and stuff? What about coverage for our stay at the hospital?
Yes, we also have the $15 copay for the gyno as well....but I wasnt sure how much it covered with all the other stuff that comes along with having a baby.... We want to make sure we are covered soon so that when I actually do get PG, we wont encounter money issues.
When is your 1st TTC appt?? Mine is at the end of September!!
Ohh ok, well I'm actually not sure about any of the benefits we get on that plan for having a baby....Definitely something I SHOULD know though!! I remember once hearing something on the board that it was $350(copay) for the hospital stay when you give birth, but I don't remember what exactly that covered (how many nights, vaginal vs. c-section.....) So, if you find out anything let me know and I'll do the same!
My TTC appt is for September 22nd
Also on a side note... as a teacher, are you at all worried about wide-spread swine flu in your school while being pregnant? Sorry, I know this is off topic from your original post, it's just on my mind
Yes, I'll def let you know when I find out b/c we need to make sure we have everything covered esp. if we need a c-section and whatnot b/c if we arent covered- ohhhhh boy!!!! 
I go September 29th... YAYYYYYY!!!! Are you going with DH or alone? DH actually said he would come, but the 29th was the ONLY appt available for the month and DH will be working at that time :(
Oh no, I heard that too- that the swine flu might be bad again.... ughhhh its so scary!!! I feel like if the swine flu is really going around like crazy and Im PG, its going to be a problem b/c I'll prob be paranoid 24/7 and that wont be healthy... ughhh it really stinks!!
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| Posted 8/28/09 11:31 PM |
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PennyCat
Just call me mommy :)
Member since 7/08 19084 total posts
Name:
Jib
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Re: Teachers- HEALTH PLANS?
Posted by xosweetiexo
Posted by PennyCat
Posted by xosweetiexo
Posted by PennyCat
Hmm I'm a teacher and I believe that is the plan we use.... I wasn't planning on switching. Is there a reason I should look into different plans? What's wrong with that one for TTC? It's great so far...... the $15 copays Although those were never for TTC appts...... my first TTC appt w/ my OB is in 3 weeks
I just assumed it didnt include coverage for pregnancy because its the most "basic" package. Does it include sonograms and stuff? What about coverage for our stay at the hospital?
Yes, we also have the $15 copay for the gyno as well....but I wasnt sure how much it covered with all the other stuff that comes along with having a baby.... We want to make sure we are covered soon so that when I actually do get PG, we wont encounter money issues.
When is your 1st TTC appt?? Mine is at the end of September!!
Ohh ok, well I'm actually not sure about any of the benefits we get on that plan for having a baby....Definitely something I SHOULD know though!! I remember once hearing something on the board that it was $350(copay) for the hospital stay when you give birth, but I don't remember what exactly that covered (how many nights, vaginal vs. c-section.....) So, if you find out anything let me know and I'll do the same!
My TTC appt is for September 22nd
Also on a side note... as a teacher, are you at all worried about wide-spread swine flu in your school while being pregnant? Sorry, I know this is off topic from your original post, it's just on my mind
Yes, I'll def let you know when I find out b/c we need to make sure we have everything covered esp. if we need a c-section and whatnot b/c if we arent covered- ohhhhh boy!!!!
I go September 29th... YAYYYYYY!!!! Are you going with DH or alone? DH actually said he would come, but the 29th was the ONLY appt available for the month and DH will be working at that time :(
Oh no, I heard that too- that the swine flu might be bad again.... ughhhh its so scary!!! I feel like if the swine flu is really going around like crazy and Im PG, its going to be a problem b/c I'll prob be paranoid 24/7 and that wont be healthy... ughhh it really stinks!!
sending FM  since this is getting pretty long! 
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| Posted 8/28/09 11:36 PM |
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ttcc
LIF Toddler
Member since 7/09 453 total posts
Name:
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Re: Teachers- HEALTH PLANS?
here is a link to a previous post about GHI. I don't think there is any reason to switch.
x - post GHI
Also, I wouldn't freak about the swine flu. It's a flu....it's just been blown out of proportion by the media. As a teacher you are going to be exposed to a lot of illnesses. I don't think that the swine flu is a reason to freak out.
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| Posted 8/29/09 11:45 AM |
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xosweetiexo
LIF Adolescent
Member since 8/09 856 total posts
Name:
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Re: Teachers- HEALTH PLANS?
Posted by ttcc
here is a link to a previous post about GHI. I don't think there is any reason to switch.
x - post GHI
Also, I wouldn't freak about the swine flu. It's a flu....it's just been blown out of proportion by the media. As a teacher you are going to be exposed to a lot of illnesses. I don't think that the swine flu is a reason to freak out.
Thank you soooooooo much for posting that!!!
Message edited 8/29/2009 7:43:43 PM.
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| Posted 8/29/09 7:43 PM |
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snowflake08
Love my boys!!!
Member since 8/07 5148 total posts
Name:
Laura
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Re: Teachers- HEALTH PLANS?
I am a NYC Asst. Principal and i too have GHI; i paid very little but I also had my DH's insurance (EMpire) to pick up whatever GHI didnt
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| Posted 8/29/09 8:03 PM |
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xosweetiexo
LIF Adolescent
Member since 8/09 856 total posts
Name:
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Re: Teachers- HEALTH PLANS?
Posted by snowflake08
I am a NYC Asst. Principal and i too have GHI; i paid very little but I also had my DH's insurance (EMpire) to pick up whatever GHI didnt
Hmmmmm see my insurance is better so we only use mine.... I hope if I email GHI, maybe they can tell me what my plan covers pregnancy related...
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| Posted 8/29/09 8:24 PM |
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TheDivineMrsM
2 girls 4 me!
Member since 8/08 7878 total posts
Name:
Mama mama mama....
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Re: Teachers- HEALTH PLANS?
I have GHI also, and had no plans to switch. My midwife is under their plan, and she delivers in Winthrop. I have a $15 copay per visit, and other $15 copay if I need any kind of diagnostic testing from a lab (like a pap). I know the hospital copay is $200.
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| Posted 8/30/09 8:51 AM |
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snowflake08
Love my boys!!!
Member since 8/07 5148 total posts
Name:
Laura
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Re: Teachers- HEALTH PLANS?
if you are prenatal and already pregnant you do not pay a co-pay for each visit. Only the 1st visit. I would say something if they are charging you for every visit if you are already pregnant.
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| Posted 8/30/09 9:15 AM |
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xosweetiexo
LIF Adolescent
Member since 8/09 856 total posts
Name:
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Re: Teachers- HEALTH PLANS?
Thank you ladies!!
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| Posted 8/30/09 11:46 AM |
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JennB
My princess <3
Member since 5/09 2473 total posts
Name:
Jenn
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Re: Teachers- HEALTH PLANS?
Posted by snowflake08
if you are prenatal and already pregnant you do not pay a co-pay for each visit. Only the 1st visit. I would say something if they are charging you for every visit if you are already pregnant.
I have been paying $15 every time, and $30 sometimes if i have a sono. I didnt know so thanks for the info, ill have to check up on that
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| Posted 8/30/09 11:53 AM |
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xosweetiexo
LIF Adolescent
Member since 8/09 856 total posts
Name:
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Re: Teachers- HEALTH PLANS?
Is epidural and if you need a c-section included under this insurance as well?
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| Posted 8/30/09 11:59 AM |
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