$352 total for both of you
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Mrs. S:
includes Maternity
$100K life insurance
Maternity benefit $1,500 deductible
$35 office co-payment
$70 specialist co-payment
$10 office e-visit
$100 co-payment for urgent care center
$10 Generic Rx
***any brand name Rx falls under $1,500 deductible then a $60 co-payment
BUT GENERIC RX IS STRAIGHT $10 NO DEDUCTIBLE
Hospital:
inpatient outpatient emergency & all diagnostic testing
$5,000 deductible
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Deddy:
basic policy & life insurance
$250 deductible for all services
then 20% of your bill
WORST WORST CASE
$2,500 out of pocket max
$100,000 life insurance
$10 office e visit co-payment
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Deddy, additional life policy, currently, on the above policie i put together, it includes $100,000 on each of you, the two noted options below are for another $150,000 on you but one builds up retirement cash and the other simply returns all premiums paid into the policy. ***i could not include these types of policies in the above health insurance, it something seperate. i would say to statr the health plan and in a few months begin one of these policies.
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$150,000 life insurance
(increases each year beginning age 62)
$170,000 cash value age 65
(guarantee $35,700 worst case)
monthly Chronic Illness payment
in case you become sick
| $150,000 life insurance
return of premiums in 15 years: $88 per month
return of premium in 20 years: $52 per month
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