- Pregnancy
- Baby & Toddler
- Parents
- Getting Pregnant
- Baby Names
- Product Reviews
-
Registry
- Community
-
More
Want a personalized experience?
Download the free app
1st Trimester
Have to take $ to first appointment?
I have my first appointment tomorrow and I got a letter in the mail yesterday saying that I need to bring $1104. They estimate the total on our end to be $3520. The letter isn't very clear, not sure if this is just for prenatal care of the whole thing.
Did any of you have to take money to your first appointment? That seems pretty high, but then again, it doesn't surprise me!
This discussion has been closed.
Re: Have to take $ to first appointment?
Did your MW/OB bill your insurance before your first appt.? Mine doesn't bill until after my first appt. But, I was expected to make a payment on my balance my second visit (I'm responsible for 20%). My full balance is due by 30wks.
*ETA - My total for prenatal care & delivery is $3k.
2011 Reading Challenge
It sounds like that is what they figure your insurance isn't going to cover for the whole thing.
Call your ins. and double check before you pay anything. Then call the doctor office and see if you can set up monthly payments of about $400 a month.
Thanks! I just looked at the letter for the 300th time and it looks like it is an estimate of what my insurance isn't going to cover. They'll cover 80%, the rest is up to us. Shoul've studied it more before posting, sorry...
I was informed at 4:15pm the day before my appointment, which was scheduled three weeks in advance, that I needed to have $1,000 at the appointment, which is half of my deductible. We will then need to bring $250 to the subsequent four appointments, until the deductible is paid.
I'm guessing it' normal protocol, although I have to admit that the offices don't handle providing the information in the best or most timely manner. That will likely be the entire shabang on your end, but baby will incur additional charges (around $3,000) for testing and what not in the hospital. You also may have increased costs based on certain unplanned things.
Butting in from 3rd tri
I hate this sort of stuff. What if, god forbid, someone loses the pregnancy, and has paid all of that money? Do you get it back or are you screwed?
With DS, my OB fee was my deductible plus 10% of costs. It was late in 2008 and I had already reached my deductible so all I had to pay was $125 which covered routine visits, 2 u/s, NSTs, and labs. All my PTL appts I had to pay co-pays for and I had to pay 10% for my 2 hospital stays at 24 and 26 weeks. After that I didn't have to pay anything to the hospital for L&D or anestheologist. Most likely those two will bill you separately.
With this pg (I'm 8wks), I only have to pay a $100 fee for my routine visits, u/s, NSTs, and labs since we don't have deductibles or coinsurance percentage.
Depends - my friend had a late m/c and they refunded her money. I think she did have to then repay them some of it for the d&c. Another friend changed insurances haflway through her PG and her deductibles and coinsurance changed. It lowered her OB fees from $1500 to $300 and the OB wrote her a check for the difference.
I was told, "Any payment made that is an overage or error on insurances part, or not fully used during the course of your treatment will be refunded."
But, you'd honestly be surprised how quickly that deductible gets eaten. A little blood work, an ultrasound and an appointment or two and it's gone.
wow, I have never heard of paying your co-pay for delivery up front, especially if you have insurance.
I was billed after delivery for everything last time. I expect the same. I have really good insurance, no deductable and no hospital copay.