请教保险的问题！

我买的是 Blue Cross California 的个人保险，怀孕后才知道这个保险不保 maternity 的。孕期一切费用我们都自己掏钱付了。希望生产时一切顺利，尽量节省一些。

现在宝宝预产期只有5周了，需要赶快给宝宝买好保险。我现在的 plan 居然不能保宝宝出生的那个月。我老公也没有保险，正好可以买一个家庭保险，等宝宝出生后，把宝宝加进去。

今天上网查，发现要申请新保险，表上写了怀孕的人是没有资格的填的。我平时就不懂保险行业的各种用语，电话上问也问不清楚.以前都是跟学校买的保险。老公说找个 insurance broker／agent 来帮忙。希望可以有所帮助。

这里想问的是，健康的宝宝一年的(保险前)医疗费用大概是多少？保险有好多种，不同的 premium, deductible... 我都搞不清楚。比如，每月付$970，每年deductible $500。或者，每月$350，每年 deductible $5000。我觉得都好贵，不知哪种更合情理。

有经验的 JMs 请帮忙建议一下。谢谢。

[mylittlecurry]

Hi Ah-San,
This is Diana. I just saw your post on WXC. I can't post on it so I'm just going to write this to you.
The first year the baby has 6 routine checkups - 1wk, 1m, 3m, 6m, 9m, 12m. Each checkup costs about $200-$250, but you can probably bargain it down to ~$170. So for a healthy baby, you're looking at about $1200 for the checkups.
Generally you'll want to buy an insurance with a high deductible and low premium, but make sure there's a coinsurance part that caps the maximum out of pocket expenses for the year. I have a Lumenos plan with Intel and this is how it works:
- I pay the first $2400 of expenses for the year (that's the deductible)
- After that, the plan pays 90% of expenses until I paid $4500 total
- $4500 is the maximum out of pocket for the year. After that, the plan pays for 100% of expenses.
- For this plan, I pay no premium.
So, for my healthy baby, I only paid $1200 for the year total. Compare to a plan that charges $300 a month but no deductible - that's $3600 just for the premium and I'll only use $1200.
Take your examples, if you pay $970/m and $500 deductible, that means you'll pay $960*12 + $500 = $12K a year. For the other plan for $350/m and $5000 deductible, you'll pay $350 * 12 + $1200 = $5400. That's clearly a better plan. But make sure the plans have a maximum out of pocket that you can live with.
Diana