tag:blogger.com,1999:blog-24850778.post3419897073106515649..comments2023-03-26T03:35:58.235-04:00Comments on @ the ladybug picnic: for emergencies.Sandrahttp://www.blogger.com/profile/16973823764144157285noreply@blogger.comBlogger2125tag:blogger.com,1999:blog-24850778.post-31378830152456545312010-11-20T08:38:09.782-05:002010-11-20T08:38:09.782-05:00We have a PPO right now, which is good in some way...We have a PPO right now, which is good in some ways because we rarely go to the doctor. But it's also bad because they say you have to go to certain doctors, and that list never includes homebirth midwives. Homebirth is legal here in TN, and when I was pregnant w/ Chloe I actually called BCBS to explain that it would be saving them big bucks to cover homebirth because it is way cheaper than an ob/gyn. The lady I talked to was totally ignorant about the whole homebirth thing (which didn't surprise me). After putting me on hold to "talk to her superiors", she tried to tell me there were all these federal laws about having to go to the hospital afterward to have the baby checked out (UH, NO, LADY, THERE AIN'T). I could see I was getting nowhere so I just thanked her and ended the call. But now we have a (pre-tax) flexible spending account in addition to our PPO and I CAN use that to pay my midwife. Our PPO is very basic and doesn't cover squat for vision and only a little dental, so we basically use our FSA for those things and our co-pays (and for next year, a baby). I like it. It only rolls over for 3 months into the new year (so you have 15 months to spend it).Carlahttps://www.blogger.com/profile/17340931604413829856noreply@blogger.comtag:blogger.com,1999:blog-24850778.post-87281879480401565942010-11-19T14:30:38.275-05:002010-11-19T14:30:38.275-05:00My health care is something like that. I pay abou...My health care is something like that. I pay about $90 a month for it. It is called a consumer driven option. I am given $1200 to spend a year (in an account, not actual money)on health care. If I go beyond that, I have to pay for the next $1800. After that it is 80/20%. But you can save up the part of the $1200 you didn't use. Since I have not used most of the $1200 for several years, the $1800 is covered also. Also can pay for dental/eyeglasses out of the $1200. I like it. Also it is before taxes dollars.<br /> MOMAnonymousnoreply@blogger.com