1st Trimester
STM: co-pays?
I will ask insurance later as I know it's probably different for everyone but in your experience did you have to pay your co-pay (if you have one) for EVERY appointment? That could add up fast!
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Re: STM: co-pays?
With DS I had to pay a copay every time. I had an HMO. It really added up at then end when I was going every other day. Check with your insurance because sometimes you pay 1 copay for all prenatal care and sometimes you have to pay at each appointment. It just depends.
This time around I have a PPO w/ coinsurance. So my Dr has all ready figured out what I will owe them and given me a discount rate as long as it is paid before the baby is born.
FYI - If you have a PPO talk to your Drs billing office about this. My bill would have been $4500 but they have discounted it to $2500. I'll still have my hospital coinsurance to deal with after the baby is born but taking 2k off the top is going to help a lot.
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TTC Baby Rob #1 05/07, BFP 06/07, EDD 02/22/08, Baby Jackaroo born via c-section after 22 hours of labor on 02/27/08
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TTC Baby Rob #2 06/11 BFP 11/06/11 EDD 07/16/12 Natural M/C 11/25/11 @ 6w3d
Baby Rob #2 (Sloane), in our hearts always.
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Here comes Baby Rob #3
BFP on Cycle 17 09/27/12. EDD 06/04/12! Please Stick Baby! A/S 01/22/13 Baby looking great. Officially TEAM BLUE! Jack is getting a Baby Brother! RCS scheduled for 05/29/13. William Daryll born at 9:59am on 05/29/13. Left ovary and tube removed due to peach sized tumor found during RCS. Pathology came back benign!
I have Blue Cross and had one co pay at first visit and that covers all my prenatal and post natal visist. Different with every insurance so you should call yours or ask your doctor.
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I'm not sure how my insurance works yet. I actually have an appointment with the nurse next month, and they said to bring a $300 deposit. I'm a NC State employee, and my insurance is TERRIBLE! I looked on the website - expected out of pocket cost for vaginal delivery $1980-$3379. C-Section $651-$4726. And a $35 copay per dr visit. I'm sure there will be other costs as well.
DH just got a new job and I'll be covered under his insurance. We are hoping his insurance is much better than mine, and being double-insured will eliminate a lot of copays. I don't know how it's going to work though.
This is how my office works. I get my global bill upfront. So, for example, mine is set up for 4 monthly payments of 333.46. This will cover all of my Ob appointments if all goes accordingly. Hospital bill is a different story, of course.
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BFP 10/8/12 | Missed Miscarriage - D&C 11/12/12
I've always found it odd that I don't have any co-pays with pregnancy-related appointments. I guess it must be to encourage prenatal care.
ETA: I have a HMO, and with my last pregnancy I didn't pay for anything, not even birth! It makes up for the crappy care I get the rest of the time.
Same thing for me with United Healthcare. I only pay extra copays for emergency/non routine doctor visits.