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?
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.
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.
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.
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).
Acutally anything OVER $2,000.00 is covered 100% by my insurance, so I am only responsible for $2,00.00
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:::
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.
Thankfully, same for me.
big brothers 12.2009 and 02.2012
it's the same for me too.
This.
Why do you just assume everyone has no idea what they are talking about or how their insurance works?
Ditto, no payments here.