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Insurance. . .are you serious!?

cateyecateye
in 1st Trimester

I called my insurance to confirm coverage for the pregnancy/delivery and the lady seriously asked, "Are you sure you're pregnant?"  Yes. . ."So you've gotten confirmation from your doctor that you're pregnant?"  Yes. . .What kind of questions are those!?

I am absolutely amazed, though, that I only have a $20 co-pay, otherwise, everything, including the delivery is 100% covered.  And I thought I had it good last time when I only had a $250 hospital co-pay. 

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Re: Insurance. . .are you serious!?

  • JennicapJennicap member
    That is odd, my insurance lady asked if it was a good thing and I said oh yes and she said great congradulations. it was an odd moment. I have a $400 deductible and everything else is covered 100%. I thought that was pretty good but wow yours is much better!

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  • bonnin507bonnin507
    That is a rather strange ? to ask, and isn't it their job to answer your ?'s however relevant they may be?  Good that you've got great coverage though.
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  • Jeni182Jeni182 member
    Wow great coverage. I have a $1,500 deductable plus 80/20 so I have to pay almost $2,000 before I can even start getting prenatal care. I'm 11 weeks and my first appointment isn't until I'm 13 weeks. Awesome! No
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  • AllieNCAllieNC

    You are all quite lucky. I have no insurance.. zip, zero. I recently looked into maternity coverage and as an individual it was going to cost $550/mo on top of the $200/mo for regular health insurance... and I am totally healthy! The insurance companies require that you have the insurance before you are actually pregnant so it's not an option at this point. I don't receive any benefits at work and our pregnancy was a suprise so we are in for about $6,000 - $7,000 worth of medical bills IF it all goes smoothly. Completely scary but totally worth it!

    Anybody have any tips for doing it this way?

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  • Jessys_GirlJessys_Girl

    This post actually prompted me to call and I found out that I have a $500 deductible that I haven't used any of yet...ugh

    I found out that all ultrasounds are covered 100% but don't apply to the deductible...ugh

    I found out that I have a $20 copay for office visits...not bad.

    I have to pay 20% of hospital admissions up to $1500 and 20% for newborn care up to $1500...ugh.

     I hate you for making me call!  LOL.

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  • ditzydi_2000ditzydi_2000
    Wow.  That's awesome coverage.  My deductible plus my out of pocket 10% or whatever it is will come out to $735.  Well that was with the last practice anyway.  I have no idea how much this new practice will charge, therefore possibly upping how much I'll owe in addition to my deductible. 
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  • lmsmith419lmsmith419
    I do not have maternity coverage either. My insurance man told me that it was pointless for me to get because of the cost of what my premium would be. So, I never added it onto my policy!  So we are going to be paying out of pocket also, but what are you going to do? I was so stressed at first but my husband was a big relief and said we will do what we can. I spoke to my Dr at my first prenatal visit and sometimes you can get a different rate since you are private pay and they don't have to go through the insurance company! Health insurance is ridiculous! The good news is that the baby will be covered, my husband or I just have to call and add him or her!!!  Good luck and congratulations!!
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  • salinaterrisalinaterri
    I just have to pay $150.00 and that's after the baby comes all of the sonograms, I pay 10%; not too bad.
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