How much does your ...

Mrs.Hooper · February 2009

How much does your insurance cover?

I was talking to my SIL ( who is 2 wks ahead of me) and her insurance covers only about 60%. While ours covers 100% ( with a one time $ 40 co pay). Is it normal to pay that much?

Mike&Care · February 2009

I think it varies a lot between plans. You are definitely lucky! We have great insurance too, so I cant complain. We pay $250 for the whole birth/delivery/stay at the hospital. We have no deductible and we dont pay for office visits. We only paid $20 for the first ultrasound and nothing thereafter. We've had 4 ultrasounds. With my old insurance (I had with DD), I left the hospital about $2K poorer. It was still a decent insurance compared to others though.

Kflie83 · February 2009

Mine pays 80% but we still have a $4,000 deductible. Yuck.

KelliLynee · February 2009

I will pay 240 for the whole hospitalization. I switched to the high payment option (pay more each week) because it was worth it in the end.

Mrs.Hooper · February 2009

We pay $ 40 ...for the whole thing..I was amazed!! Thank goodness for good insurance!!

SJC1984 · February 2009

Well, our plan is 100% on OB, 90% on hospital AFTER a $1500 dedictuble. But the sucky thing is, you don't just get billed from the doctor and hospital, you get billed from every provider and that's where it bites you in the butt.

Like I got a bill from OB for delivery, OB for circumcision, anesthesia for epidural, the place that checked DS's hearing, DS's hospital stay, my hospital stay, then of course I had pre-e so I had to have a abdomen CT so I got a bill from radiology and the doctor who read the scan also. So I ended up with about $1800 out of pocket costs when all was said and done.

Jason'swife · February 2009

Depends. I've heard of people having to pay up to $4000 or $5000 with insurance. Oh the other hand, this kid will cost us a grand total of about $150.

Married2mybff · February 2009

Ultrasounds are covered 100%, prenatal care and delivery are covered 80%. Deductible was $1000 but that has already been met so all in all I will end up paying a total of $600 to my ob/gyn. Not quite sure how much for the hospital yet though.

zoieglow · February 2009

I pay $250 for the whole thing no matter what goes down once I check into the hospital.

Mary and Dave · February 2009

Our hospital co-pay is $500. As far as I know, this will be the only out of pocket expense for the birth. I've only had one $20 co-pay for my OB. I'd be happy if all we had to pay was $520!!! We'll see though...

DNK777 · February 2009

We have to pay 20%. I want your insurance!!

ljw0424 · February 2009

I work at a hospital so maybe our insurance is better, but I paid a $25 copay at my first OB appointment and thats all I will ever have to pay. ?I get a baby for $25 bucks!

TennisWife815 · February 2009

My first OB appointment is $15 after that all prenatal appointments are free. My delivery, hospital stay, etc. will cost $300, but if we want a private room its $500 a night.

blairsgirl · February 2009

It varies by plan and coverage in the plan. Ours covers 100% of my stay, the babies stay, including any NICU time.

HeyyRed · February 2009

You guys really need to kick your government in the ass what with all the bank bailouts and such.

So glad I live in Canada. I can't imagine worrying about paying to have a baby in addition to just having the baby itself. ?

ryeleeandrori · February 2009

HeyyRed:
You guys really need to kick your government in the ass what with all the bank bailouts and such.
So glad I live in Canada. I can't imagine worrying about paying to have a baby in addition to just having the baby itself.

I was thinking the same thing. I am so glad I live in Canada.

rebus82 · February 2009

Before it changed at the beginning of the year they covered 90% of everything minus a one-time $35 co-pay. Now they cover 80% and I keep getting bills for co-pays for each visit. I'm going to talk to the office about that tomorrow, but I still consider it pretty good. Assuming nothing else changed that I'm not aware of and will get hit with later.?