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The Pit Parenting Thread

the mejican ladies have potty trained the boy for peeps already, goes in the toilet, and he turns two next month. Still working on poops. I suppose he a genius. Counts to ten in ingles and spanish too like a boss
 
I'm probably a little behind the curve on making the switch, but I'm thinking of changing from a PPO to HDHP with HSA to cover the family (wife, newborn). I'm running the numbers and am seemingly coming out ahead in every way possible on the HDHP; in the past our healthcare utilization was fairly low, but the baby is the wildcard. First kid, don't know what to expect for being at the doctor this year.

So I ask you, Pit Parents, anyone else made the switch to HDHP - any regrets? Anyone coming out ahead with a PPO?

Monthly cost to me on the PPO ~ 445 / HDHP ~ 160 (employer contributes $100/mo to HSA).
 
leftcoastdeac said:
I'm probably a little behind the curve on making the switch, but I'm thinking of changing from a PPO to HDHP with HSA to cover the family (wife, newborn). I'm running the numbers and am seemingly coming out ahead in every way possible on the HDHP; in the past our healthcare utilization was fairly low, but the baby is the wildcard. First kid, don't know what to expect for being at the doctor this year.

So I ask you, Pit Parents, anyone else made the switch to HDHP - any regrets? Anyone coming out ahead with a PPO?

Monthly cost to me on the PPO ~ 445 / HDHP ~ 160 (employer contributes $100/mo to HSA).
Click to expand...

if you are "healthy" you can come out ahead. wife and i used to have it but when we switched jobs we had to go with my ppo (which is pretty good). if i recall correctly that money is accessible after retirement if there is any left??

as far as with the kid, or having a baby, you would need to make sure the out of pocket max is doable with the money in your hsa.

having an HSA really teaches you to watch your health expenditures and i mean that in a good way.
 
deaconson said:
if you are "healthy" you can come out ahead. wife and i used to have it but when we switched jobs we had to go with my ppo (which is pretty good). if i recall correctly that money is accessible after retirement if there is any left??

as far as with the kid, or having a baby, you would need to make sure the out of pocket max is doable with the money in your hsa.

having an HSA really teaches you to watch your health expenditures and i mean that in a good way.
Click to expand...

Wife and I are in good health; trying to project healthcare costs with newborn (8 weeks old). Well baby/routine and immunizations are $15 with HDHP. I can't seem to develop a scenario in which I'm better off with the PPO, given the costs differential, employer contributions to HSA, and tax advantages of the HDHP. Just wondering what I'm missing that makes it seem so much better. My financial planner and HR director are breaking it down for me and the HDHP wins in those scenarios too.
 
i did not stay at a holiday in express last night but those plans are criminally underrated. if you are healthy you just keep growing that pot and have it for some point when you need it or don't and get access to it as a little perk at retirement.

the real roll of the dice is in the event, knock on wood, of an expensive health care cost that comes up. that could be tough to deal with. however, if i recall the plan put the money in your hsa up front and then took it out of your pay check monthly. that way you did not have a big expense in january and are out of pocket until december when you get all the money in your hsa.
 
I guess it depends on the HSA, but mine helps with the little costs with regular prescriptions and such. That's part of your "healthy" costs as well.
 
deaconson said:
i did not stay at a holiday in express last night but those plans are criminally underrated. if you are healthy you just keep growing that pot and have it for some point when you need it or don't and get access to it as a little perk at retirement.

the real roll of the dice is in the event, knock on wood, of an expensive health care cost that comes up. that could be tough to deal with. however, if i recall the plan put the money in your hsa up front and then took it out of your pay check monthly. that way you did not have a big expense in january and are out of pocket until december when you get all the money in your hsa.
Click to expand...

I'm pretty sure the preloaded account is only for fsas, not hsas, but I could be wrong.
 
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coming home from date night to this makes so much of it worth it.
 
"The Rod" is especially making me laugh every time I look at it cause it's so true. How do they do that?!
 
LadyDeac03 said:
"The Rod" is especially making me laugh every time I look at it cause it's so true. How do they do that?!
Click to expand...

Yes. Birdie was terrible about this. I would just give her a big poke in the stomach and she'd usually buckle.
 
Yeah my daughter does that big time but eventually tires out enough that I can bend her into the seat.
 
S is a rod, E is the slow poke. S will also hit you while you try to bend him in and yell no like you are stealing him, meanwhile E is still not even near the van and P is screaming because you're not moving.
 
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