2nd Trimester

How much do you have to pay out of pocket for your hospital stay?

I just spoke with my insurance company, I have to pay $2,000.00 out of pocket, they will cover anything over $2,000.00. Is this standard? I better start putting more money aside then I already am...
Little E born 12.10.09 Little A born 04.19.12
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Re: How much do you have to pay out of pocket for your hospital stay?

  • I will be paying around 2,000 also.  I've already paid $750 in my deductible for the year.
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  • We have like a $1500 out of pocket max per year.  We've already paid about $450 of it.
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  • My hospital stay is free. I will have a balance of co-pays and fees to pay at the end of it all, but I'm actually not expecting that to be TOO much (meaning less than $1,000). This is on DH's insurance.

    When I was on my own, the plan was that the copay for hospital stay was $150/day for a max of 5 days.

  • I guess it just depends on your insurance.  I had to pay one $40 co-pay and there's no out of pocket for the hospital.  I'm sorry ~ that kind of sucks! 
  • You better save more than that. I paid about $4000 total. You pay for your stay AND your baby's stay. Then your anesthesiologist if you get an epi, plus your doctor (he/she charges separately), plus a circ if you have a boy. I thnk that's it.

    I have 75/25 coverage. The actual bill was over $12,000 just for me!!! Good news is that you probably won't have to pay for anything else medically for the rest of the year, so if DH wants surgery, tell him to go for it!  :)

    Good luck. I'm still paying for my L&D at 4 months PP.

  • Every insurance plan is different. The way mine is, I will have a $450 deductible for me, a $450 deductible for the first baby, and will be responsible for 10% of the charges up to a Family cap of $4,000. My deductible is included in that.

    Because I will likely have a c-section ($15,000 hospital charge) and with twins, run the possibility of NICU time, we are planning on paying the $4,000 at the time of the birth. The good news is that if anything happens that any member of my family has a ER, hospital stay, or surgery after the $4,000 cap is hit, everything is covered at 100% for the rest of 2010. 

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  • I have a high deductible plan so it's 2,000 but my company gives us a HRA account with the money in it to cover the deductible so the amount I have to come up with is actually 0.
  • I have to say that I am lucky. My entire pregnancy is 100% completely paid for. I don't even pay a co-pay when I go into my monthly appointment.
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  • We have a $500 hospital copay for the delivery.  (And $20 for all prenatal appointments and $20 for sonograms...so it should cost $560 or $580 all thogether, depending on how many sonograms they do.)
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  • $300 for me.
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  • I am expecting to pay my $250 deductible but am prepared to pay more than that.

    I have heard that often the anesthesiologist who administers the epidural is contracted and therefore out of network so you typically will receive a separate bill from him/her.  I have heard the same thing about the pediatrician that comes to check on baby...sometimes they are out of network and I may receive a bill from them.

  • Our estimate for a basic delivery w/o complications for me or the baby is $2300-2500. If we hit complications we could be around $4500 - 6000. $6000 is our combined max out of pocket though... regardless of what happens. (That's my $3k max out of pocket combined with bebe's $3k max out of pocket.)

    We've talked to the hospital's account's payable office and we get a discount from the hospital if we start paying up front though. I'm not sure how much off it'll be yet, but we'll be taking that route.

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  • The nice thing about being due in February, is that I can plan my flex spending deduction amount to cover the hospital copay.  Yea!
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  • $1450 and then 20% of everything else up to $4k.  They say that I should expect to pay between $2500 and $3500 total depending on the birth and any complications.
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  • With the insurance we had up to Sept 1 it would have been covered under my $10 prenatal care co-pay.

    With the insurance that we have starting Sept 1 our max OOP per person is $1,250/person. So if LO gets billed as a separate person (and we can't get a clear answer on this) we'll have to pay $2,500 for the delivery but then that will be it for the rest of the year (the whole month that will be left). 

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  • I'm paying 2K out of pocket -We have already paid over half.
  • image nemtown:

    You better save more than that. I paid about $4000 total. You pay for your stay AND your baby's stay. Then your anesthesiologist if you get an epi, plus your doctor (he/she charges separately), plus a circ if you have a boy. I thnk that's it.

    I have 75/25 coverage. The actual bill was over $12,000 just for me!!! Good news is that you probably won't have to pay for anything else medically for the rest of the year, so if DH wants surgery, tell him to go for it!  :)

    Good luck. I'm still paying for my L&D at 4 months PP.

    Acutally anything OVER $2,000.00 is covered 100% by my insurance, so I am only responsible for $2,00.00

    Little E born 12.10.09 Little A born 04.19.12
  • I honestly have no idea.

    I know that I only have to pay a certain amount out of pocket (like $2500 maybe?) each year before it starts being covered 100%...I hope hospital stays are part of that.

    :::logging into my insurance account to check:::

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  • 20%, whatever that will be!  My insurance is not the best and I've had to pay about $500 in bills so far. 
  • $500 my max family OOP is 3k so we won't have to pay more than that.
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  • IDK we have an HSA so once we reach our limit its all insurance. But DH keeps up with that account, not me.
  • image tantandancr@yahoo.com:
    I have to say that I am lucky. My entire pregnancy is 100% completely paid for. I don't even pay a co-pay when I go into my monthly appointment.

    This. I haven't had a copay for anything so far. My hospital stay is 100% covered if I stay 2 days for a regular birth or 3 days for a C-section.

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  • image tantandancr@yahoo.com:
    I have to say that I am lucky. My entire pregnancy is 100% completely paid for. I don't even pay a co-pay when I go into my monthly appointment.

    Thankfully, same for me.

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  • it's the same for me too.



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  • image tantandancr@yahoo.com:
    I have to say that I am lucky. My entire pregnancy is 100% completely paid for. I don't even pay a co-pay when I go into my monthly appointment.

    This. 

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  • $250 copay for the hospital stay. The only thing that has ot been covered 100% is all my labs. I have been paying these weird little 5 dollar and 10 dollar lab bills.
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  • $25 co-pay forthe first appt, $100 for hospital stay. That's it.
  • I definatley think you ladies should make sure you are only paying these small amounts- I have a 500/year deductible with a so called max of 1500 a year- when I had my baby in 2008 I paid over 6000 for a vaginal delivery with an epicural, circumsicion. And I have really good insurance- so just be sure!
  • I had a $35 co-pay for my first prenatal visit and that will be it.
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