Hi ladies,
I was wondering if anyone who is more of an insurance expert can shed some light: I am with United Healthcare and the way they process claims is via every single line item/procedure code that is billed. Therefore, when i go in for my initial OB visit, i pay my copay and then the doctors office bills the insurance company for the visit, my urine sample, and my transvaginal ultrasound. Insurance then says the urine sample and transvaginal are considered as diagnostic/radiology and i am responsible for 20% of those costs. I would think that the urine collection and transvaginal ultrasound are part of the routine office visit for maternity care? Our health insurance is covered by husbands employer (pitney bowes) so I am a bit alarm by the amount of member cost sharing is involved.
I would think that the insurance company would cover all of my maternity visits at 100% to avoid any complications during or post delivery that would be more costly??
Re: Health Insurance
Although, we both have UHC that doesn't mean that we don't have different plans through them as they do offer tons of different options and I have a different employer than your husband.
Edit to add that it's really rare for someone to have an ectopic pregnancy but I guess it's good more doctors are looking for it? I just hope they aren't charging each patients health insurance for a $1000-$1500 ultrasound that wasn't heccessary. That's exactly why health insurance costs are out of control. Just because it's fun doesn't mean it's out of the kindness of the Dr's heart. They are getting fat paid.
I have a huge deductible that I share with my parents (I'm under 26, a student, and my husband is self employed), but I have bcbs and they get me HUGE discounts and I think they have to pay a small portion even though I have a deductible because it's prenatal. Anyway, my lab work was $1200 because they had to do it twice, kind of, because my thyroid is weird and they had to do extra testing. Thankfully, bcbs got the bill down to $270. Which is still unreasonable. But more manageable.
I now have group health and out of pocket max is $2000. This pregnancy my NT scan was abnormal so I have a ton of upcoming tests. Glad I have GH this time around.
I wish they would pay maternity 100%. I'm envious of other people who have insurance that will cover 100%.