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.
This!
The ONE good thing about DH being in the military is that all of our health care is free, mind you it's not the best health care. The only thing we pay for at the hospital is for our meals.
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If you haven't already, call your insurance to ask, becuase you dont' want to be shocked when you get a big bill in the end! Mine is $2000 max out of pocket for the year, with a $250 deductible AND $200 in maternity (prenatal services) for the calendar year. So, for me, out of pocker is $2450, BUT this does not include the services for the baby. You need to make sure your baby is covered also (if you already don't have family insurance). There's a single and family cap, so the family cap might be more.
Also, if you deliver in January or later, you might have to do your deductible AGAIN for next year for services rendered next year. To complicate things, not all services for me are billed under the $200 maternity coverage. Things like the prescreening test fall under the $250 deductible, so it can be confusing! talk to your insurance company and make sure they lay it all for you.
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 am sorry to tell you paying 6k to have a baby vaginally is not good insurance! It probably would have cost the same to just pay out of pocket no insurance and then you could save your monthly insurance bill to pay for your drs
I pay nothing no labs no copay nothing at the hospital no matter what happens and my pediatrician is covered tell we add LO
Does anyone here have an 80/20 type plan? So far I haven't been paying copays for my prenatal visits, it's been roughly 80/20 for the lab stuff and office visits.
For my first visit it was a little over $100 and I should be getting
another one for about $250 soon I think from my second visit which is
when we had our first ultrasound just to see the heartbeat.
Called my insurance company today to ask about how much I could may expect for total costs but all they'd tell me is what my max out of pocket was. Obviously I already knew that, and last year after having my gall bladder removed, I still didn't even reach my max out of pocket.
My OOP cost to my OB is $2000 which I have been paying monthly since my first appt. It was the same OOP expense for my delivery with my son, however, he was in the NICU for 23 days and his OOP expense was $1500.
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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.
Mine is completely free as well, but has nothing to do with any insurance. I'm not in the US now and I luckily have access to the NHS. I even get free dental up to 12 months after the baby is born.
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!
Why do you just assume everyone has no idea what they are talking about or how their insurance works?
To be fair, I don't think this person intended to imply that the PP (or anyone) didn't have any idea what they were talking about. To me it sounds like a friendly caution (based on her own experience) that if you aren't 100%, you should check.
I have a $750 deductible and then I have to pay 20%. I was told between 3000-5000 is what I have to pay. I have been saving money like crazy but I still think after all is said and done I will only be able to take 6 weeks maternity leave because that is unpaid at my work.
$350 deductible for me and baby, so $750.. and then $100 copay for my maternity stay/appointments.. and that includes all my prenatal visits, so i haven't paid anything yet- everything is due at time of delivery!
We have to pay $2200 just for the hospital delivery. They put us on a payment plan on our very first visit. They want everything paid in advance so you don't have to worry about paying later I guess.
Thank God for Tricare.... As a previous poster said, I guess this is one good thing about DH being in the military. We haven't paid a dime for this pregnancy, nor will we.
Everything depends on the type of plan you have. I have a $6,000 deductible and after I meet that (all out of pocket) then everything is covered 100%. I might be paying medical bills for the rest of my life...
My BF also happens to be a coworker so we have the same insurance. Delivering her daughter in May cost her $700 OOP. Much less than I was anticipating!
We have to pay for everything !!!!!!!!!!!!!!!! I had 100% coverage , then I quit my job due to a really bad boss and manager, we were prepared to pay for cobra, and then after I left the really bad boss changed ins companies and I lost all my ins ! He's a small biz owner so he's not required to cover us with cobra !
The gyn was $4500.
The emerg. visit to the hospital that we thought was something and turned out to be nothing was $2,000. no stay just heart monitor and ultrasound !
The hospital prepay is 1875. a day (baby and mom) to be paid 60 days before due date !
If I need a c-sec it's 4,500. 2 day stay
Epi. is 1,275. to be paid 30 days before due date !
So count your blessings ladies ! I'm due in a month and my husband was outta work for 2 months over the summer ! MONEYS TIGHT !!
You have to pay to have a baby in The States? In Alberta, Canada we have Alberta Health Care which most companies pay for monthly for employees.. Everything is covered 100% by AHC.
I feel for you ladies to have to pay up to 2000$! Like you want to worry about that when your trying to save up for the cost of having a child!
In the end, we paid about $500-600 for everything. DS's was 100% covered. My insurance plan is 90/10...we pay 10%, they pay 90%. It varies by area too. I've seen some people get charged $1000 for a procedure where it was billed $100 for us.
Keep in mind the hospital bills you, the OB bills you, then the pedi bills you. Plus I had a few other random bills like circumcision, plancenta culture, etc that were billed separately for some reason.
I have double coverage, I am covered my insurance through my work and then we added me to DH's policy as well. I was told we'll pay $0 because what one doesn't cover, the other will. Hopefully my twins won't need NICU time and will be healthy enough to come home right away and then we won't have to pay that either.
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
$2000 for me then I'm covered at 100% but LO is his own person kina like DH so he can have his own $2000 but it looks like his bill will be clower to $1000 (It hasn't all come in yet) If I had gone with the Epi the anishesia would have been extra since it's not in network good thing I went natural.
Me DOR amh .64 ng/mL
DH Brain Cancer
BFP #1 12/11/08 DS born 8/23/09
BFP#2 10/13/11 DC 11/4/11
BFP#3 12/6/13 Lost 12/29/13
Told IVF is the only option and have not found a clinic that will take me.
We have a $2,000 deductible for our family. However, after we reach the first thousand, my company pays the second thousand. We've paid about $800 of our thousand so far.
well our first insurance is a $2500 deductable. We paid 1500 of that , then my husband changed job, which pays more and has a lower deductable of 1000, so we still end up paying $2500, with the old insurance they covered 80% after the deductable. the new insurance I am not sure yet, it just started in september
My pregnancy will only cost my co-pay - $30. I paid that one time at my first pre-natal appointment and I don't have to pay anything above and beyond that for my hospital stay or anything else related to the pregnancy. If I go back to my OB for something unrelated to the pregnancy (like a yeast infection or something) then I just have to pay another $30 co-pay.
You have to pay to have a baby in The States? In Alberta, Canada we have Alberta Health Care which most companies pay for monthly for employees.. Everything is covered 100% by AHC.
I feel for you ladies to have to pay up to 2000$! Like you want to worry about that when your trying to save up for the cost of having a child!
Which is why many of us are pushing for this health care legislation to pass, so pregnant women can focus on saving for their babies, not the costs to just help bring them safely into this world!
Re: How much do you have to pay out of pocket for your hospital stay?
$500 a night, capped at $2,500.
ugh.
oh, plus $50 copay to the ob.
This!
The ONE good thing about DH being in the military is that all of our health care is free, mind you it's not the best health care. The only thing we pay for at the hospital is for our meals.
We pay a $50 copay when I go in and EVERYTHING is included (even anesthesia, extras, c-section, anything that pops up AND the circumcision!)
If you haven't already, call your insurance to ask, becuase you dont' want to be shocked when you get a big bill in the end! Mine is $2000 max out of pocket for the year, with a $250 deductible AND $200 in maternity (prenatal services) for the calendar year. So, for me, out of pocker is $2450, BUT this does not include the services for the baby. You need to make sure your baby is covered also (if you already don't have family insurance). There's a single and family cap, so the family cap might be more.
Also, if you deliver in January or later, you might have to do your deductible AGAIN for next year for services rendered next year. To complicate things, not all services for me are billed under the $200 maternity coverage. Things like the prescreening test fall under the $250 deductible, so it can be confusing! talk to your insurance company and make sure they lay it all for you.
I am sorry to tell you paying 6k to have a baby vaginally is not good insurance! It probably would have cost the same to just pay out of pocket no insurance and then you could save your monthly insurance bill to pay for your drs
I pay nothing no labs no copay nothing at the hospital no matter what happens and my pediatrician is covered tell we add LO
Does anyone here have an 80/20 type plan? So far I haven't been paying copays for my prenatal visits, it's been roughly 80/20 for the lab stuff and office visits.
For my first visit it was a little over $100 and I should be getting another one for about $250 soon I think from my second visit which is when we had our first ultrasound just to see the heartbeat.
Called my insurance company today to ask about how much I could may expect for total costs but all they'd tell me is what my max out of pocket was. Obviously I already knew that, and last year after having my gall bladder removed, I still didn't even reach my max out of pocket.
Anyone seem to have a similar coverage as me?
Mine is completely free as well, but has nothing to do with any insurance. I'm not in the US now and I luckily have access to the NHS. I even get free dental up to 12 months after the baby is born.
Not a bad deal, IMHO.
To be fair, I don't think this person intended to imply that the PP (or anyone) didn't have any idea what they were talking about. To me it sounds like a friendly caution (based on her own experience) that if you aren't 100%, you should check.
$0
I work for a hospital and I must give birth at my hospital to have it covered
Everything depends on the type of plan you have. I have a $6,000 deductible and after I meet that (all out of pocket) then everything is covered 100%. I might be paying medical bills for the rest of my life...
We have to pay for everything !!!!!!!!!!!!!!!! I had 100% coverage , then I quit my job due to a really bad boss and manager, we were prepared to pay for cobra, and then after I left the really bad boss changed ins companies and I lost all my ins ! He's a small biz owner so he's not required to cover us with cobra !
The gyn was $4500.
The emerg. visit to the hospital that we thought was something and turned out to be nothing was $2,000. no stay just heart monitor and ultrasound !
The hospital prepay is 1875. a day (baby and mom) to be paid 60 days before due date !
If I need a c-sec it's 4,500. 2 day stay
Epi. is 1,275. to be paid 30 days before due date !
So count your blessings ladies ! I'm due in a month and my husband was outta work for 2 months over the summer ! MONEYS TIGHT !!
You have to pay to have a baby in The States? In Alberta, Canada we have Alberta Health Care which most companies pay for monthly for employees.. Everything is covered 100% by AHC.
I feel for you ladies to have to pay up to 2000$! Like you want to worry about that when your trying to save up for the cost of having a child!
In the end, we paid about $500-600 for everything. DS's was 100% covered. My insurance plan is 90/10...we pay 10%, they pay 90%. It varies by area too. I've seen some people get charged $1000 for a procedure where it was billed $100 for us.
Keep in mind the hospital bills you, the OB bills you, then the pedi bills you. Plus I had a few other random bills like circumcision, plancenta culture, etc that were billed separately for some reason.
My pregnancy will only cost my co-pay - $30. I paid that one time at my first pre-natal appointment and I don't have to pay anything above and beyond that for my hospital stay or anything else related to the pregnancy. If I go back to my OB for something unrelated to the pregnancy (like a yeast infection or something) then I just have to pay another $30 co-pay.
Which is why many of us are pushing for this health care legislation to pass, so pregnant women can focus on saving for their babies, not the costs to just help bring them safely into this world!