Yeah, my son's seems triggered by getting a virus/normal cold. They didn't diagnose him until yesterday. Kinda feels good to finally get a diagnosis and feel better equipped to manage it.
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).
Went to HDHP and HSA about 4 years ago. The real key is staying out of the ED/Urgent Care/Imaging world. So don't get a concussion and need CTs. Also, do not get bitten by a dog and need post-exposure rabies vaccine. That's expensive as fck and drains the account quickly. Lastly, if you need crazy expensive meds on the regular it may not work out. Worked out awesome fo rus, our healthcare is covered no cash out of pocket for a long time now that the HSA is built up well.
This cracked me up this morning
Your BabyBump
Day 111
Just for Dad: I’m Interested…
When your significant other is pregnant, perhaps one of the best ways to show your support is to take an active interest in her. Even if she’s talking about how the baby’s foot was kicking her bladder (again) or is going through the list of possible baby names (again), stop and think about how important these topics are to her. It’s obvious that when the baby kicks her bladder, it’s very annoying to her, and her telling you about it makes her feel somewhat better. And when she goes on and on about baby names, that means she wants your input, too. So instead of responding with “uh huh” s and “hmm” s, make an effort to comment, provide your feedback, or ask questions. You may get a very stunned—yet very happy—response, and you’ll both get a boost of confidence at serving an important role in each other’s daily lives.
So I have this app (one of probably thousands of pregnancy apps, so not sure why I picked this one) where I get daily emails with little comments or tips. Every now and then they have one for dads/future dads, and they are so condescending...
They're basically like, ok guys, I know you don't really care at all that your wife is pregnant, but at least pretend like you're interested in this future kid of yours, and you'll totally surprise your wife and make her so happy! :tard:
Heavy Saturday morning question:
If you guys have done wills, how did you decide who gets your kids? Wife and I are inexcusably delinquent in preparing wills, but it's mainly due to the fact we struggle to decide who gets our kids. Wife has 2 younger brothers, I have 1 younger sister, none of them are married, good possibility none will have kids. Her brothers also don't really have careers or anything, so no way we give them our kids. My sister is more stable and loves our kids, but doesn't plan to have kids herself.
My parents would be most likely to take them I think, they spend the most time with them, adore my kids, and my kids adore them, but they're older and retired. Dad is not in the greatest health. Wife's parents are younger and in better health, but live a few hours away and are generally just less engaged with our kids. Also wonder whether giving kids to either set of grandparents sets up for weirdness or jealousy between the 2 sets (may be overthinking this part, but do think my parents would be bummed if they knew we were giving our kids to Wife's parents).
I've got a cousin who is married, has an adopted kid, and is awesome, husband is awesome, nicest people in the world. But they live in Maryland.
So, no great options and, again, I think that's the primary reason we don't already have wills in place. Figured I'd turn to you guys to see how you handled.