WWYD RE: health insurance?

[an_aurora]

Do I pay $500/month for benefits (and have $500 deductible for each of us) or cancel them and get 100% coverage through Medicaid for free? I am so torn

Open enrollment is for the next 2 weeks; right now DS and I are on my work insurance and I have never used mine at all (I had Medicaid as secondary insurance throughout my pregnancy and it paid for 100% of my pg and birth since the work insurance doesn't cover HB MWs) and DS is using Medicaid as a secondary insurance. DH and the girls have Medicaid as their only insurance.

That $500 a month that we would save would be really nice to have in pocket since I start school in January and money is going to be super tight. OTOH, I hate going in for visits and getting the "oooh, you have Denali Kid Care ". Yes, TYVM, I do.

[Chloe&Coop'sMom]

I'm in the exact same situation as you. I've got pregnancy medicaid as a secondary insurance and the kiddos have medicaid as a secondary insurance. I can't unenroll myself from dh's insurance, because once I'm not pregnant I won't qualify for medicaid, but the kiddos qualify and we could save $300 a month by having them only covered by medicaid. My dilema is that our ped doesn't take medicaid and I can't find a ped that is on the same page as me vax-wise that accepts medicaid. Its frustrating because we *really* need that $300 a month but I hate not having a pediatrician I'm comfortable/don't have to defend myself with.

Now that I've rambled on, I'll answer your question! If you have a doctor that takes medicaid or you have good options with doctors that do, I'd cancel the private insurance and use the medicaid only. Without question!

[34me]

I would cancel it and go on Medicaid. Especially if you and dh are covered too. That is a lot of money that can go to building up the economy

[an_aurora]

Thank you for your input! Our ped (who I love!!) does take both my work insurance and Medicaid, so I think I will just cancel it.