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Co$t of delivery
So I'm just now receiving the insurance paperwork and I'm amazed at the amount of my co-pay. I guess my personal plan covers 90% of maternity services, but that still leaves over $1,200 outstanding.
Thankfully, I was also added to DH's family plan the month of A's birth (a couple months ahead of schedule), so I ended up having dual coverage and my secondary insurance took care of the balance.
If you don't mind sharing, about how much were you responsible for after your insurance plan kicked in? DH and I consider ourselves pretty financially savvy, but we really didn't expect to be left with such pricey bills with my "good" coverage.
And if this is normal, it should really be factored into people's baby budgets. 
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Re: Co$t of delivery
We were really lucky to have pretty much everything covered by our plan. But without insurance, we would have had to pay close to $9000. Although Kaiser keeps moms and babies in the same room, mom and baby are charged separately for the room. Mine was $1400/day and J's was $900/day. Ouch! I was also shocked to see that the two tiny tubes of lanolin I was given at the hospital cost $46.00 each!! The tube is about 1/7 the size of the ones you can buy at Walmart for $13....
Healthcare is definitely expensive, sometimes even when you do have insurance!
Malia & Dave & Alexa
Happily married since 2-17-08! Three since 9-9-09!
Baby Blog
Geez! I'm impressed you got such a detailed bill. So far, I've only seen vague charges like "supplies" or "pharmacy." And $600 for the "operating room" for A, even though neither of us ever set foot in one.
Me, too.....I'm pretty sure my co-pay is $75.
my "good" plan at work has a $1000/person yearly out of pocket max and maternity coverage is at 80/20% so I would have been charged the $1000 but I easily went over 5k but I have secondary coverage that picked that up. (MW was a flat fee + lab fees + ultrasound + hospital stay)
Jack reached about $500 of his yearly OOP and does not have secondary coverage.
I was astounded at my bills in general - over 15k at the hospital when I had absolutely no interventions (they did have to come in after the birth and give me and IV I never used and the on call OB came in for 5 mins (cost $300!) to assess my slow placenta). All in all (MW, labs, ultrasound, Jack's first 2 mo. of peds. cost over $21k before discounts to the insurance co's. So I guess even 1$500 if I had to pay my own OOP would not have been too bad).
I saw a "surgery" category on DS's bill - I am guessing it's for the PKU heel prick and the times the idiot nurse/doctors requested a billiruben and (repeated) blood sugar tests that I later found out our Ped DID NOT order. They usually have a "surgery" category on my bills anytime I have blood drawn.
Libby would have only cost us $15 if I hadn't had GD. The GD added a few more co-pays for a Level II u/s ($25) and appointments with the GD Counselor ($25) and Endocrinologist (2x$25). Plus my testing supplies, monitor and insulin (another $100 or so total) and H1N1 vax wasn't covered by insurance ($30). All told I spent about $245 for pregnancy related medical care, plus $25 every other month for PNV. THat said, due to my age and GD I had u/s at every appt. and in the last tri I had NST at L&D each week...I never had to pay anything extra for these. Not to mention the fact that I was induced and had added interventions (epidural, additional medications and cutterage during the third stage of delivery, etc.)
Not too shabby, IMHO. I have excellent insurance coverage, thank goodness. My BFF had a totally uncomplicated pregnancy and birth and after insurance she still owed $6K. I had the same insurance plan as her before moving to OK and had thought that the cost of having the pregnancy and birth alone in CA would have precluded us from doing it at that time. So I am thankful I found a job that offers awesome coverage.
TTC/PG Blog | Mommy Blog
I bet those Lanolin tubes are given to the hospital for free or a significant discount too. Annoying to say the least and criminal if you ask me.
TTC/PG Blog | Mommy Blog
Wow, thanks for these...
Is this the difference between HMOs and PPOs?
I have a pretty good PPO plan and always liked it for the choices it provided and its freedom from pre-approvals for things. Guess it gets you when you've got some serious bills rolling in though. We tend to pay a percentage of fees (e.g., 10%) rather than a flat rate co-pay.
have you reached (or do you know) what your yearly out of pocket is? The first bills (from the providers) I got kept listing my responsibility as equal to 20% even after I knew we had reached the OOP. I didn't pay anything (especially since I knew my secondary insurance would kick in) but then started getting adjusted EOBs from my actual insurance company (explanation of benefits) that took into account that my yearly OOP was met so I would not have owed the total amount the providers' bills said.
The hospital/MW/labs never sent me new bills so I would have had to deduct the amount that my (primary) insurance ended up covering since I had met the OOP total myself. I hope this makes sense... it wouldn't hurt to call your insurance to make sure everything has been accounted for.
Pretty much, from my understanding. I had a PPO for several years, and was constantly paying 10-20% of everything, which can be a lot! Now I love my HMO. I have never, ever had a problem getting something approved, and honestly, I'd go to the same doctor either way (I like my doctor). The only annoyance is that if I want to see a specialist (like an Ear Nose and Throat doctor), I have to get a referral from my regular doctor first. She always approves my requests for referrals, though, if she feels it's something beyond her. This is not true to see an OB/GYN, though, I do not need a referral for her (by law).
Now all I pay is $10 for each doctor visit, and $75 for each hospital stay, no matter what. I love it!