Question about hospital charges

aniticipation · January 2009

I saw the post below about the large hospital bill. I guess I assumed my insurance would cover my delivery, with me paying a co-pay. Am I wrong? Sorry if this is a stupid question, and I know it probably depends on my coverage, but I guess I just never thought about leaving with two babies and a whopping bill! Is this typical?

Tahiti35 · January 2009

I delivered my babies and didnt have to pay a penny, it just depends on your coverage I guess

krstyqt · January 2009

It depends on your coverage and you can always call your plan and find out what your coverage is. I have an HMO with Aetna and the most we would pay OOP as a family in one year is $1,500 But co-pays count towards that so I always keep my co-pay receipts. You should call just to find out what your plan covers sometimes your HR person will know.

Temp159135562506975 · January 2009

everyone's insurance is different - even in the same plan- b/c it has to do with what your employer group picks (or you pick for a personal plan).

ie) if we both have Aetna- we can have totally different coverage. The only way to know what you are covered for is to call or look it up in your book they should have given you.

lajolla09.30.06 · January 2009

It definitely varies widely based on your insurance... we had a per day fee for hospitalization with a 3 day max per visit... so we ended up paying that maximum for each of us (me plus each baby) so we ended up paying 9 times the per-day fee... if that makes sense.

pea-kay · January 2009

don't worry, that was just my husband's sucky insurance. had i known the copay per baby per day (up to 3) was going to be $500, i would have put them on my insurance, which was only $200 per day. oh well.

FaeryStarGazer · January 2009

It's been 18m and we never were billed anything. I don't know if we still may be at some point.

PianoPlayingSarah · January 2009

We didn't pay anything and Anna stayed in the NICU for 3 weeks and had 3 surgeries within that time.

MelZull · January 2009

We have not yet received our bill, but we are covered completely for everything, we just have to pay our daily $100 co-pay. My dr office checked our insurance coverage after my first visit so we knew what to expect.

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