Sorry if this has been asked, but I couldn't find what I'm asking in the search. I have a $500 deductible & $4200 max out of pocket for me & $8400 family. UHC covers 85% after deductible. It's not an HSA or anything. Let me preface by saying, I did do their "estimate my costs" online, but delivery of twins was not an option (unless I double their singleton estimate maybe?).
So my questions are:
1) Would delivery for both babies go toward my max out of pocket or the family max out of pocket? Or does all delivery & after delivery care go toward our family max out of pocket?
2) Who do I call to get estimated delivery/care costs.. Insurance company, doc or Hospital? All three?
3) When do we up our health insurance plan to include two babeis? After they are born or before?
I'm so lost when it comes to insurance, so please any advice is greatly appreciated. TIA!!
Me 29/ DH 28
DH- MFI (low count, 2-3% morph)
IUI #1 January - Clomid, Ovidrel: BFN
IUI #2 February - Letrozole, Follistim, Ovidrel: BFP 1st beta-25, 2nd beta-56, 3rd beta-45, miscarriage
IUI #3 April - CD3 U/S 4-10. Letrozole, Follistim, Ovidrel CD11 - Cancelled.. TI w/5 follicles-BFN
IUI #3.1 May - CD3 U/S 5-6, Follistim start 5-11 thru 5-17, u/s 5-18 3 mature w/ a close 4th, IUI 5-20 - BFP!
Beta #1 12dpo - 164 & progesterone - 89!, Beta #2 16 dpo - 1189, 5w3d - u/s shows TWINS!
6/19- u/s showed heartbeats! Baby A 111 & Baby B 118, both measuring 6w1d
7/3- Baby A hb 170, Baby B hb 166 - both measuring perfect.
7/18 - Baby A 165, Baby B 171 - both measuring right on track & moving all around!