3 job changes, 2 toddlers and a chronic illness:

Deb, 32, lives in New York with her husband, Jeremy, and their two toddlers. After leaving her long-term marketing role, she started a new job and had to choose health insurance covering her family and her chronic illness.

*Deb and Jeremy’s names have been changed and their companies omitted to protect their privacy.

Feeling the pressure to choose the right health plan for her family

​​As Deb started her new job, the weight of choosing between hers and Jeremy’s health plan options felt overwhelming. Her family had previously been on her old employer’s generous plan.

“Usually I’d calculate insurance costs myself and talk it out with my parents. But this time it was post-COVID, I had two children, a chronic illness, and new stress around going into the hospital. So things were very different than before.”

While the kids’ care was covered, Deb had to factor in treatment for her chronic illness. A recent hospitalization left her uneasy about hospital costs. Faced with plans full of hidden asterisks and caveats, she felt the fear of “picking the wrong one I’d regret.”

“There were many, many grids of different costs and scenarios. I needed to understand what it would look like financially, and plan for deductibles hitting their max, but not paying more in the lead up. Doing all those calculations myself would have been really difficult.”

Predictabill: From dozens of confusing plans to one clear choice

Neither Deb’s nor Jeremy’s jobs offered Predictabill, and the wrong choice could be costly. They paid to use it and received clear guidance on which documents to submit. Within 48 hours, Deb had a dashboard comparing her 3 plans with his 13.

“It wasn't just, ‘It's option B’ and then had no backup. It clearly showed, ‘This is all of what you might expect to pay, here's how we calculated it’. The numbers were transparent, easy to understand, and not overwhelming.”

The dashboard revealed 94 plan combinations across family members, and with its clear recommendation, their decision was instant.

“Predictabill helped us understand the difference in just putting me on a plan, versus the three others, the kids with me, or my husband. It showed all the matchups so we could make the best financial choice. It was the first time I considered that we didn’t all have to be on the same healthcare plan.”

Three times in a year, they found the right plan for their family

Based on Predictabill’s recommendation, the whole family switched to Jeremy’s insurance. Her new employer’s plans would have cost much more, given the treatments she was planning.

A few months later, Deb got another job. Using Predictabill a 2nd time, she switched to her new employer’s insurance while Jeremy and the kids stayed on his plan. She loved the job but quickly saw Predictabill’s value as coworkers had children.

“As they added dependents, they started complaining about how expensive the plan was. The “free healthcare” marketing was misleading. It only applied if you were single. I was glad I used Predictabill to look under the hood to see what the case actually was beyond the selling point.”

Confidence in every decision

4 months later, Deb’s husband got a new job, adding another layer of decisions. They used Predictabill a 3rd time to lessen the burden of changing jobs. The whole family moved to his new employer’s plan.

“As we were switching jobs, my confidence in Predictabill kept growing. Each time I felt ‘Oh yeah, I made the right choice’, and the next time I needed to make a choice, I knew I’d be informed in the right way.”