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***TXAggieBride06***

balihaigirlbalihaigirl member
in Austin Babies

I just saw your post below about your OOP max and I am shocked!!!  How do they expect average income families to have that kind of money laying around?!

:(

On a sidenote, I wanted to let you know that most hospitals will allow you to work out a payment plan (after you have the baby) to pay back for services.  For example, our expenses were about $2k OOP (we delivered at Seton NW) and they let us put it on a payment plan over 12 mos.  So this could be an option for you.  For us, it was a lot easier for us to make a monthly payment over a year than it is to pay the whole lump sum at once.

Good luck!

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Re: ***TXAggieBride06***

  • TXAggieBride06TXAggieBride06

    Stupid Nest went crazy on me.  Ignore the post below...it won't let me delete.  What I was trying to say was:

    THANK YOU SO MUCH!  I am really stressing about this whole insur mess.  To think I almost got away with my HMO and a total of $0 due at the hospital.  Unfortunately inducing Dec. 31st for a March 8th baby isn't exactly an option.  Ha.  My HMO was awesome...I paid a $20 copay at my first OB appt with DD and then $250 at the hosptial.  With this one, I paid a $40 copay and was told that I would owe $0 when I deliver.  Then a month ago I found out that would all change.  Even though I'm with the same company, I've gone from great insurance to crappy insurance.  Totally sucks.  I work for a huge international company with 30,000+ employees.  But so good to know about the payment plan.  I will be delivering at Seton SW.

    Thanks again!

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  • TXAggieBride06TXAggieBride06

    THANK YOU SO MUCH!

    I

    am
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  • jkinslowjkinslow
    ****butting in *******  I had a similar situation.  If I had DD 10 days earlier, I would have paid over 50% less.  So unfair!!!!  And I just found out that even though the insurance began on Sept. 1st, our deductables start over on Jan. 1st, so I do not even get to enjoy meeting our deductable early.  Crappy school district that agreed to crappy insurance!!
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  • libbyannlibbyann member
    Just wanted to let you know we're on a payment plan with S&W. We pay about $50 a month. We really can't afford anything else and they've been great to work with. The lady I talked to on the phone said as long as we're paying a little bit each month they're happy.
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