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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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.
$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).
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
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.
bumping from my phone. please pardon any typos and missing punctuation
$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.
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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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!!
$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.
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.
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.
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!
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.
$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!
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!!
$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!
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.
I might be the luckiest Mama here....we will be paying $0 - very good insurance that we pay lots of money for upfront on a monthly basis to eliminate large co-pay and deductible bills
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omemgee. This post just majorly depressed me. I work for a [pretty major corporation and I am appalled at how terrible the insurance (apparently) is after reading all of your posts! I have a $1500 co-pay (not there yet) then I pay 20% of everything after that up to the $6500 out of pocket max. So, technically it could be $6500 depending on how things go. I should probably call the hospital and see if I can figure out a way to get a quote as to how much it will cost me if I have an uncomplicated delivery.
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$3,000 for me, $3,000 for baby. But my company has an HRA so I will be reimbursed $5,000 of the $6,000 total deductible. And this out of pocket includes all of my appointments (and hopefully all of my ultrasounds!), except the one with the MFM that I had to pay a $20 co-pay for.
We'll be paying a $150 deductible and then we have 2 days paid in the hospital. Anything past 2 days will be for us to pay for. So hopefully postpartum wont be too bad.
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We have a $1,200 deductable for the year with no co-pays. We've already paid some of that with U/S and lab work. So I think the remainder will be what we pay. Sucks because last time DS cost us $10 start to finish. Including all of my pre and post natal appts. 5 day hospital stay and C-section.
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Well I'm officially depressed and jealous at some of the amounts you all get to pay lol...
We have a darn PPO through my employer...HSA compatible, but of course there's nothing in my account really right now... (maybe $60 )
But anyway...first gotta meet the deductible of $3500... Once the birth happens I believe I would have paid close to $2900 of that already what with all the lab tests and $1000 I put down ahead of time for my OB (if her fees end up less than that I'll get a credit, but I doubt it... I think she includes the Circ as well, so)
After deductible is met, we pay 30% out of pocket until we hit our max of $5000
So after the birth is all said and done, I guess potentially another $2100 in bills will hit us, assuming I max out.
It's actually better than what I first thought it would be (sadly enough)....I thought that it would be the deductible first and THEN 5000 on top of that for out of pocket....but apparently I was mistaken and it's all inclusive....so it's $5000 TOTAL out of pocket.
Re: how much will you pay for L&D
$1500
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).
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
$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.
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.
$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!!
$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.
Make a pregnancy ticker
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
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.
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!
$0, mine is completely covered. I guess I have good insurance-all 3 of my births have been covered..
$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!
This is me too.
Zero. For anything including the circ.
I might be the luckiest Mama here....we will be paying $0 - very good insurance that we pay lots of money for upfront on a monthly basis to eliminate large co-pay and deductible bills
Visit my blog about my family's experiments in eco-living
We have a $1,200 deductable for the year with no co-pays. We've already paid some of that with U/S and lab work. So I think the remainder will be what we pay. Sucks because last time DS cost us $10 start to finish. Including all of my pre and post natal appts. 5 day hospital stay and C-section.
$0.
$200 total for all prenatal appts (and perhaps the pp ones as well? can't remember that exact detail)
Well I'm officially depressed and jealous at some of the amounts you all get to pay lol...
We have a darn PPO through my employer...HSA compatible, but of course there's nothing in my account really right now... (maybe $60 )
But anyway...first gotta meet the deductible of $3500... Once the birth happens I believe I would have paid close to $2900 of that already what with all the lab tests and $1000 I put down ahead of time for my OB (if her fees end up less than that I'll get a credit, but I doubt it... I think she includes the Circ as well, so)
After deductible is met, we pay 30% out of pocket until we hit our max of $5000
So after the birth is all said and done, I guess potentially another $2100 in bills will hit us, assuming I max out.
It's actually better than what I first thought it would be (sadly enough)....I thought that it would be the deductible first and THEN 5000 on top of that for out of pocket....but apparently I was mistaken and it's all inclusive....so it's $5000 TOTAL out of pocket.