What is your out of pocket to have the baby?

fit4ever1379 · July 2010

I have Aetna now but switching to Horizon Blue Cross Blue Shield cause they are much cheaper. We are paying $1040 a month for my husband and I with Aetna and BCBS is about $780. So our new plan will start 7/31 and thank god we are saving some money

What is your out of pocket expenses you will owe to have the baby & gyn fee? Thanks ladies!

SarahTx5701 · July 2010

$0.00

dh is in the Air Force. God Bless our awesome health insurance. we never paid one cent for ds's $86,000 nicu bill either.

LMSmith114 · July 2010

My husband company just switched to Humana & I couldn't be happier! I called to find out our expenses & all I'm paying are co-pays. Its quite the blessing since I haven't been working the past few weeks due to being sick all the time.

fit4ever1379 · July 2010

Holy crap! You guys are lucky!

Hyfagal · July 2010

I haven't had to pay at any of my OB appts so far and they pay for 80% of the delivery and hospital stay.

KMueller0613 · July 2010

Its $250 for vaginal delivery and $500 for c-section, as long as the anesthesiologist on call that day is in-network, which we really won't know until the day of.

MnM7608 · July 2010

I think our hospital co-pay for DS was $250 with MVP

kknapp25 · July 2010

where i live, health insurance is awful & incredibly expensive. my lovely plan has me paying 25% of any medical proceedure. i don't even want to think about my labor bill.

CourtneyR2N · July 2010

$225.

There was a $25 co-pay for the first visit to verify the pregnancy. There are no other charges for any of the other visits.

And there will be a $200 facility deductible for the hospital.

srthomas88 · July 2010

I have to pay a $30 co-pay each visit and 20% of whatever is billed. IT SUCKS! I hate my health insurance. Since I am high risk I see all of my doctors on a regular basis. I also had a $2250 deductible I had to pay off as well.

kcisthebombdotcom · July 2010

I am paying approximately 1 million dollars for this delievery.

Seriously, it's going to be about $5k. DS was $2k for everything, but that was on my old insurance plan. Now that I quit my FT job, I'm on DH's crap insurance.

ehale24 · July 2010

Zero...I work for a clinic and 100% of my healthcare is covered. Nothing is taken out of my check, no co-pays.

What's the catch? I have to see the doctors at the clinic, and I have to go to the crappy hospital we're affiliated. I don't care at all about my co-workers seeing my junk, and I love that all I have to do is walk from my desk to an exam room for my OB appts. But the hospital is pretty bad.

tiffanyp · July 2010

$20 co-pay at my first visit.

Temp110085250009077 · July 2010

I'm not in 2nd tri yet, but with my first, I had phenomenal coverage and paid about $300 total. With my second, we were self pay and it was about $6,000. We're in the same boat this time, since the hospital fees have gone up since my 2nd baby, it will probably be closer to $7,000 or $8,000.

Assuming there are no complications, of course.

JDoe11111 · July 2010

$11 copay for the 1st (confirmation) visit, everything else is covered 100%.

I hate my job, but at least this part is working out. Unless we change insurance at the 1st of the year, which will be just my luck...

Melissa Lynn · July 2010

You probably will all think I'm nuts- but I really don't want a hospital birth so I'm doing a birth center where I pay all out of pocket- $5,000. This covers every single one of my pre-natal visits, the labor and delivery, a midwife visit 1 day, 3 days and 6 weeks after the baby is born.

My health insurance pays 100% of my lab work, ultrasound, etc.

At first, my health insurance said they would not cover a penny of the birth center but my midwife said they would send the bills to them anyway and see what happens. They paid about $40 towards the first two pre-natal visits and I just get a refund from my birth center for anything my insurance does decide to pay them.

It would be crazy, crazy cheaper to just have a hospital birth. Probably between 1 and 2 thou.

Temp984666312503071 · July 2010

I have Blue Cross Blue Shield PPO and my DH is Navy so Tricare is my secondary. Between the two I pay $0.

I pay about $15/month out of my paycheck in healthcare contributions. There are no co-pays for OB care in my insurance. And even if there were, Tricare would pay them.

dehsignz · July 2010

$0 for all pre- post-natal and new baby care. $500/day for hospital, will max out at $1500. I pay $150/month out of my check for the insurance but to add baby will be an additional $414/month out of my paycheck.

tracey4228 · July 2010

Some of you are really lucky with your insurance plans!

I pay $25/biweekly premiums. I had an initial $25 copay for the first OB visit and all subsequent visits are $0. My deductible will be $2500 and coinsurance is 30%. My estimated out-of-pocket (including deductible) will be $3800 for the c-section and 4 day hospital stay.

~Flossie~ · July 2010

I have to pay $5 for the glucose drink in a couple weeks time... that's the only thing I can think of that I'll have to pay.

melissa4252008 · July 2010

tiffanyp:
$20 co-pay at my first visit.

This. Everything else is covered 100%.

LemonBlush · July 2010

I pay 20%, with an out of pocket deductible of $2000. Once baby is born and is put on my health insurance, out of pocket goes up to $4,000... so the next kid will be a lot more Indifferent

Sad thing is, I work in healthcare!

Sami78 · July 2010

I have Aetna. I haven't paid anything yet for this pregnancy, but from the last one I remember that any out of pocket for OB visits and lab work was minimal. The big surprise for me was that in addition to the $1,000 deductible I owed the hospital, the baby, who is automatically covered under my insurance for the first 30 days, had a separate deductible of $1,000 for all the tests and things he had to have while in the hospital. Then, I learned that the anesthesiologist on call was out of network, and I received a $1500 bill for his services. After some back and forth with the insurance company (not something I wanted to deal with the first few weeks after having a baby), they ended up fully covering this portion.

djfacemachine · July 2010

I pay $5 per OB visit and the delivery will cost $150 out of pocket regardless of what happens (c-section, drugs, etc).

I get to add the baby to my insurance for $0

We are VERY lucky to have such great insurance!

Laura & Harrison · July 2010

$0

DH is in the Air Force and I am on Tricare Prime, which doesn't have a co-pay or any out of pocket costs.

marker56 · July 2010

20$ copay per twin + 30$ copay for specialist consult. Pretty sure that's it

pawcall · July 2010

$20 one time copay for OB and $100 per day that I'm in the hospital, up to 5 days (if i'm in longer, insurance pays it 100%).

I feel like we pay a lot for this insurance though. It covers myself and my husband, and includes vision and dental, and they take $129.83 out of my check (twice a month).

MissNikki007 · July 2010

My responsibility for my OB was $500 for a c-section.

For delivery, I will pay a $300 co=pay plus 10% of the total bill.

aew82 · July 2010

We have BCBS of Rhode Island and all I have to pay is the $20 co pay for my first visit and then nothing for the rest of the pregnancy. Everything is covered so I guess you could say I pay $20 to have a baby out of pocket

ajcoghill · July 2010

I have no clue ::runs to go ask DH about insurance plan::

pretty.amazing.grace · July 2010

We have BCBS and our max out of pocket deductible for a year is $1500 per person, $3000 per family. Luckily, we already met our deductible for the year because I had spine surgery last January. That means the birth (baby is due December 1) will cost $0!

KayLee77 · July 2010

with ds#1 all i had to pay was $18 and that was for the tv and phone during my hospital stay.

CinemaGoddess · July 2010

This is flameful, but I have no idea. My insurance has a $3500 out of pocket maximum and that includes anything paid during my OB visits, so I'm assuming $3500 total. I think I've paid about $100 so far for OB visits and U/S. I have an additional $130 to pay, but I haven't technically been billed by my provider. It just showed up on my EOB form a few weeks ago.

KJmashup · July 2010

MissNikki007:
My responsibility for my OB was $500 for a c-section.
For delivery, I will pay a $300 co=pay plus 10% of the total bill.

Mine is very similar to this, except the $500 that I paid my OB assumes a vaginal delivery. If I end up getting a c-section, then I'm sure I'll owe my OB more $$.

dreamtrue80 · July 2010

I work for the Federal government so all my maternity care is covered. I think there is a $150 co pay for the hospital visit but that's it.

Connys1976 · July 2010

For my OB visits and birth $500.00 out of pocket, hospital I dont know yet depends on the total charge for the hospital I have to pay 20% of the total bill maximum out of pocket for the year is 2500 I believe.

Mt2G1012 · July 2010

$0. I work for the state so fortunately I have amazing insurance. I pay $78 a month for DH and I and will have to pay nothing extra to add the baby on. I only pay $5 for prescriptions (including my prenatals) This is the main reason I am going back to work PT after she is here. I have way better and cheaper insurance than DH could EVER get through any employer. I am very thankful and grateful for it.

bisabelm · July 2010

I have a $200 deduct. and my insurance covers 90%. My max out of pocket is $1500. I have been on a payment plan with my OB since the beginning which is 4 payments of $130 (this includes my deduct. and delivery). I think this assumes a normal vaginal birth.

cpmich · July 2010

We don't have any payments for OB visits, but I will have to pay a total of $500 out of pocket to have the baby.

koalabear1987 · July 2010

I pay $140 a month for my premiums and then i once I met the $500 deductible I started paying 20% of all costs on top of my premium. I had to prepay my OB $433 to have her deliver lo which the $433 was 20% of what I would have had to pay. After I meet the 3,000 out of pocket maximum i pay nothing. With labs and doc visits I have paid close to $1500 so for my stay I will not pay any more than the other $1500. Lo will be added to my plan and they will cover 80% of expenses until we have paid $6000 (which includes the $3000 I will have paid). After we meet the 6000 we owe nothing. With lo added to my premiums I will be paying $260 a month. I have BCBS.