I recently left my well-paying job to start up a little company. Of course, along with a fat paycheck I also lost my health insurance. Perfect time to procreate, right?
We’re now paying $300/month for Regence BlueShield health insurance that has a $3,000 family deductible. It covers maternity after deductible at 80%. So, if the pregnancy costs $10,000 (which is cheap), we’ll be paying $300/month ($2,700) + $3,000 deductible + 20% of $7,000 ($1,400) which comes to $7,100 total over the next 9 months. That doesn’t count coverage of the baby once it’s born, of course.
Our house is a loft. Which means there are no separate rooms. This worries us a little. So we’re also thinking about moving somewhere that has separate bedroom.
We don’t have a car. Does modern parenting involve taking the taxi to the hospital and strapping in a baby seat on the way back? If we move, one of our desires would be to have a parking spot (they cost $150/month or $30,000 in my current building and it’s a little ridiculous).
Should we move? Should we consider delivery options (birthing centers, home delivery)? Should we get a car? Should I get a high-paying job with health insurance?
Except for the last one (no way), these are the questions we don’t yet have answers for. And, despite it all, while the situation seems a little financially scary, it also seems like the amount of change and adventure in store for us will keep us on our toes. I like a good challenge, in other words.
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