Does your insurance deductible carry over?

shesthetoast

I just called our insurance company and found out that we have no carry-over for maternity coverage, so we have to pay a deductible for both 2012 and 2013. We have a high-deductible HSA plan, so that means a minimum of $2,400 each year out of pocket. (We had carry-over in previous years when I had claims due to back problems, so I wasn't expecting this!)

I have an AFLAC hospitalization policy, so I'll get ~$2,300 from that. When we signed up for AFLAC, the rep said it usually works out that you end up paying the family deductible when you have the baby.(which is $4,800), so that will mean $7200 out of pocket for having a baby. (I need to check with my insurance company on that but I'm not in a mood to call back today.)

We can afford it, but I'm a little peeved. I had been planning for a lot less than $7,200. If you have good insurance, it's worth more than you think. Ugh.