- Pregnancy
- Baby & Toddler
- Parents
- Getting Pregnant
- Baby Names
- Product Reviews
-
Registry
- Community
-
More
Want a personalized experience?
Download the free app
3rd Trimester
anvloveskme
member
What are your out of pocket costs for your delivery?
anvloveskme
member
I am just curious to see around the country what you ladies are paying. I have a pretty good insurance plan (Kaiser Permanente) through my employer and just got an out of pocket estimate for a normal vaginal delivery with no complications of $1660 (maternity is covered at 80%, so this is my 20%) which includes meeting my annual deductible of $250, and $2240 for a c-section. My max out of pocket under my plan will be $2250. I thought this was ok, but kind of high. A friend of mine with a Kaiser plan had a c-section and literally paid $40 out of pocket. Anyone else know what they are paying?
This discussion has been closed.
Re: What are your out of pocket costs for your delivery?
I have blue cross and blue shield. I just paid my last copay to my doctor. She told me all I owe is $600.00 and that includes the the delivery. Now the hospital stay I am not really sure she just said that I will not recive another bill from her.
Just paid my bill Monday and it was 500, but because I pre-paid they gave me 20% off so a mere 375.00 that is freaking awesome compared to my son where i paid about 500 to the Dr and 1400 to the hospital not including the money I paid for the epi, the doctor who helped with my C-section and the pediatrician. With the plan I have this time I think it is all covered by the 500/375!
ETA: I have Molina (which is where I work and we have our own insurance), but I use the blue cross blue shield network. And I have no deductible.
I have Humana, and work at the hospital where I will be delivering...but my current OOP is $380ish. They contacted my insurance company in the beginning and got an idea as to how much it would all be for a standard delivery, including all visits, co pays, lab work, etc. It will be higher with anesthesia, but it was atleast a good ballpark guesstimate. I had to pay this amount before my 28th week.
View Raw Image'>
I got them directly from the insurance company, but the hospital I deliver at will be a Kaiser Permanente Facility, so I am not sure for those with different plans if you will have to make several different phone calls. Ins. co was able to break down the allowed OB fee, anesthesia and facility fee for me to give me the total.
Ya'll are gonna hate me.....
I have the HMO provided through my employer (the hospital I work at, I will also be delivering at). My first OB appt was a $10 co-pay and my hospital stay will be $100 and another $100 for LO. So essentially, I'll be paying $210 out of pocket (thats not counting my $75 copay for a couple triage visits though.....blah)
$2000 deductible for me, another $2000 deductible for the baby, $250 for circumcision and then 20% on top of that (which right now is about $600). When I talked to them at the beginning of my pregnancy they said to save up about $6000. I don't know what it would have been for a c-section, I was too afraid to ask!
I have Anthem and am VERY jealous of your insurance!
I'm in Northeastern Ohio and have United HealthCare.
I had a $15 co-pay for my first OB visit, and that's it! $0 for everything else. I have to be in-network but since in-network includes all docs at University Hospitals and The Cleveland Clinic, I'm good to go! I consider myself pretty lucky. I have pretty good insurance.
Nice - I have to pay a $15 co-pay at every visit and have paid $10 co-pay for each time I had to do labs.
$3000 for me, $3000 for her max out of pocket deductible. I've already paid about $1500. But I'm not complaining - mostly was ultrasounds.
I've been putting aside cash every paycheck. It's daunting to consider how expensive it could be. My OB tells me that the total OOP for her will be approximately $500, but that is not the same as the hospital costs.
So...$6000 max OOP.
I believe it's around $600 (I have the bill/estimate around here somewhere). Our max OOP is $1000 and we're almost there (DH had an MRI earlier this year) so it won't be too much more expensive.
And I have Blue Cross Blue Shield.
I have BCBS and this is exactly how my plan works.
I had a vag. delivery with a vacuum extraction plus two nights in the hospital...no complications, very healthy baby. Our out of pocket was around $2,500 with Anthem Blue Shield. Our hospital is allowing us to do monthly $100 payments. Every OB appointment involves a $20 co-pay.
last time we paid $600 for maternity care and delivery. that was our 20%
Then for the hospital stay we also paid 20% and it was about 600 as well.
zero for the hospital. its covered 100% with no deductible. thank goodness.
prenatal care was one $10 copay for my first visit and 10% of any labwork & ultrasounds (which I think were about $100 total)
eta- I have Aetna, but had BCBS with DS & it was the same way.
This.
Tricare-0$!! Woot Woot! Finally its good for something!