September 2011 Moms

how much will you pay for L&D

Just called my insurance to get an estimate of how much I will pay for Labor...and my max out of pocket is 3,500. Not bad!! I am pretty happy with that considering I paid 8,000!! for DD

now you go :)  

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Re: how much will you pay for L&D

  • $25. We are very fortunate to have amazing insurance.
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  • The doctor is 800 and then i pay only 16 bucks a day that I am in the hospital. Though I'm in the middle of changing insurance so what I owe the doctor could be less.
  • $400 base charge and 20% of allowable charges, my out of pocket max is $3k and i've already met about $1k so $2k max,,,,hoping for less though!
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  • image smorzandoj:
    $25. We are very fortunate to have amazing insurance.

    I'm thinking you may win this one!

    I will pay an estimated $750, but considering we have a $1,000/year deductible through my pretty awesome insurance, and we've had co-pays on many tests we've had to have, we probably won't even have to pay that.

    In short, my entire pregnancy will wind up costing me $1,000 + appointment co-pays ($20/appt).

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  • My out of pocket max is $5,000.  So no more than that is all I know :)

    With DS, I had different insurance and it ended up being about $2,500, but I think my plan was set up a little differently that this one.  But then there was DS' NICU cost so my bill was moo :)

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  • $0.

    The only thing I'll have to pay for in the hospital is if we have a boy and we get him circumcised.  Other than that we will have no out of pocket expenses.

    I might not have the greatest job in the world but I have AMAZING insurance.

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  • $0. I live in Colombia and insurance is required to cover 100% of it here. There are some differences though. I have to pack my own diapers, hygiene supplies and etc as the insurance doesn't provide those things. So I guess I might have a small expenditure in the end.
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  • I won't be paying anything.

    My primary insurance (which I get through my employer) is awesome. I have already hit my deductable ($3k) so I only pay 5% for anything. My secondary insurance (my husband's) is Tricare, so they pick up the rest.

    If I only had my insurance, I would only be paying $400 for L&D like I did for my son.

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  • $32... thanks to my husbands great insurance.
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  • $0. My insurance has and will continue to cover everything after my first $25 pre-natal care visit back in February.
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  • $0.

    Military insurance may be an enormous PITA, but the coverage is amazing for maternity care. Not a penny out of pocket from the first blood test through the 6 week postpartum check-up. I am VERY thankful for this!!

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  • $1000 only if I don?t hit my deductible by then. If I do, then I will be paying less. Which actually we won?t even be paying that?.my husband?s grandmother said that her baby shower gift to us was that all medical bills regarding the L&D she wants to pay. So technically I will pay $0.

  • We have some kick a$$  insurance, so I'm thinking it'll be around $100 or less.
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  • 10% of the negotiated cost.  My OOP max is $8250 for the year and since we are already at $3100, I gues the MOST I could pay would be $5150.  My insurance sucks a$$ compared to what it was with our first 2.

    DD#1 - $540 from 1st appt thru 6 wk post partum

    DD#2 - $591 from 1st appt thru 6 wk post partum

    This one so far: $2345 and counting

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  • Wow, I'm surprised at the amount some of you ladies get to pay!

    I need to call my insurance company to get a better estimate, but I have a $300 copay (for each LO and I, so $600 in total) and we pay 20% coinsurance. We have an out of pocket max of 1,750/person or 5,250/family.

    So I'm not 100% sure what that means, but I've been guessing around $2,500. I'd love to know the exact amount so I can change FSA.


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  • My primary insurance deductible is $2500 with 100% covered after that.  My secondary insurance (which the baby will be on) has a $1500 deductible, covers 90% and we have to pay the other 10%, and a $3000 out of pocket max or $6000 for family. 

    If I have a pretty standard, uncomplicated delivery then it will just be the $2500 deductible.  If the baby has to be "admitted" for any reason then we will have to pay towards the secondary insurance deductible and we may have to pay anywhere from $3000 to $8500(worse case scenario).

    Atleast, this is how I understand that it will work...  Not excited about having to pay this much- but glad we have insurance at all!

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  • $0, mine is completely covered. I guess I have good insurance-all 3 of my births have been covered..

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  • I live in Canada so our OHIP covers everything from OB appts to baby's birth.  My health insurance also covers a private room on maternity ward once baby is born.  The only out of pocket expense we will have is 350$ for baby's circ.  All-in-all, not bad considering what you all have to put out of pocket.  Makes me thankful that I live here.
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  • $250 for L&D.  Wow, I feel rather fortunate after seeing what others have to pay! I must have better insurance than I realized!
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  • $25 copay for my initial confirm-the-pregnancy visit then $500 for L&D

    We switched insurance plans at the beginning of the year specifically because we were planning on getting pregnant this year.  If I had gotten PG before switching it would've been more like 3K!

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  • image Mereou12:

    $0.

    Military insurance may be an enormous PITA, but the coverage is amazing for maternity care. Not a penny out of pocket from the first blood test through the 6 week postpartum check-up. I am VERY thankful for this!!



    This is me too.

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  • $0.  Woo-hoo!  I'm glad you posted this, because I kept forgetting to check my plan.
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  • $0 for us too....DH has really good coverage through his work.  Of course, we do pay out a hefty chunk in premiums with every paycheck.....basically you pay one way or another!  
  • $0, thank god.  I am amazed at how much some of you have to pay. 
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  • $250 for L/D. Unfortunately, to add LO to my insurance will be an extra $692/month. We will be switching insurance after LO is born. 
  • roughly $900 something.  It is out of network so has a $600 deductable and than the insurance covers 65%.  This does include all my prenatal appts to.  My mw just adds it all together when she bills the insurance. 

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  • We don't have maternity coverage. So we have to pay out of pocket. So anywhere from 5,200.00-10,000.00. Depending on what type of birth I end up with. We have most of that saved and set aside. (The hospital gives you a huge discount if you pay cash within 90 days of the birth) But we will end up with seperate fees for the pedi to come check her, and my epidural. But we have already paid my doctor's fee, so that is one less thing to worry about after she gets here.
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