How much did labor and delivery cost?

EGreenwood · September 2010

Hi! I'm newish to the bump, and wasn't sure where to ask this question, so I apologize, but I figured since you have all already been through labor and delivery maybe you could answer this.

I'm curious how much labor and delivery will cost us. I have BCBS PPO, and I've been told that the doctor will be covered 80%, as would an anesthesiologist if I had an epidural, and my hospital stay would be covered 90%. My out of pocket maximum is 2k, but once I add my husband and our baby it will be 4k, so I'm not sure which will apply to the labor and delivery- i'm guessing the 2k since my husband and child will not currently be on my insurance at that time.

Anyway, I have no lcue how much all of that costs, so I don't know what my 20% responsibility might look like- hundered, thousands? my maximum? We want to set that money aside now.

Thanks for any information!

emilysmommy2010 · September 2010

I had a c-section and I have had to pay about 2,400 dollars out of my pocket. I also have BCBS and they paid 90%.

MWoodside · September 2010

It can vary a ton depending on location, # of interventions, complications, etc. But to give you an idea mine was about $16k for vaginal birth w/ epidural & no complications. I owed $3k.

Your deductible/copays will apply to you only, but once LO is born their ded/copays kick in so the pediatrician visit in the hospital & any tx rendered to your baby will be counted toward the family ded/copay.

marykaybride · September 2010

My L&D bill before insurance paid was about $5,000 (no epidural). DS' hospital will was about $1900 before insurance. I prepaid my OB for delivery services based on my costs, so I have no idea how much was billed to insurance (I paid her $871 for all prenatal visits, 3 sonograms, and delivery). And I paid about $500 to the pediatrician for checkups during the hospital and circumcision.

AvidVertigo · September 2010

All together with DS and myself - $2,000. I had Gestational Diabetes, so from wk 30 had to go in and get NST testing done twice a week, and see a specialist. I had a $1,500 out of pocket max (definatly met that) and DS had a $500 deductible for circumcision and pedi visits in the hospital. This is NOT counting my co-pays or perscriptions....

shirls · September 2010

I had a c-section because LO was breech. The L&D bill before insurance was about 40K. I paid about 3k for the L&D but there were also additional bills for the anesthesiologist and pediatrician.

berrybuzz · September 2010

my bill was just under $1000 i also have BCBS i did have pain meds but it wasnt an epi. and i had a vaginal delivery.

LoriZoo · September 2010

WOW! I can't believe what you all had to pay out of pocket!! We chose the HMO over PPO option, so only paid for the first 2 OB appointments ($25 each) and didn't have to pay for any of the sonograms (monthly!). All our hospital costs were covered. My DH's company had to increase the copayment for hospitalizations (now $500) to keep costs the same. DH pays about $500 a month ($6000 a year) for insurance premiums for the three of us now.

EGreenwood · September 2010

Thanks for the information everyone!

This is a totally stupid question I know, but since my out of pocket maximum for the family plan is 4k, that means that after my deductible there are no exceptions to the maximum right? So it definitely cannot cost me more than 4k if all the doctors and the hospital are in the PPO network?

MelbaCat · September 2010

EGreenwood:
Thanks for the information everyone!

This is a totally stupid question I know, but since my out of pocket maximum for the family plan is 4k, that means that after my deductible there are no exceptions to the maximum right? So it definitely cannot cost me more than 4k if all the doctors and the hospital are in the PPO network?

deductibles don't count in towards your out-of-pocket expenses, so it may be more for that reason.

ashleighd1485@aol.com · September 2010

My bill was somewhere around $9000 and DD was a little over $16000 (NICU) and I paid $300 for each of us.

ashleighd1485@aol.com · September 2010

My bill was somewhere around $9000 and DD was a little over $16000 (NICU) and I paid $300 for each of us.

ashleighd1485@aol.com · September 2010

My bill was somewhere around $9000 and DD was a little over $16000 (NICU) and I paid $300 for each of us. I

ashleighd1485@aol.com · September 2010

My bill was somewhere around $9000 and DD was a little over $16000 (NICU) and I paid $300 for each of us.

ashleighd1485@aol.com · September 2010

My bill was somewhere around $9000 and DD was a little over $16000 (NICU) and I paid $300 for each of us. I have BCBS.

ashleighd1485@aol.com · September 2010

My bill was somewhere around $9000 and DD was a little over $16000 (NICU) and I paid $300 for each of us. I have

Daisy41459 · September 2010

We have Excellus BCBS and my delivery, plus our hospital stay came to about $15k (c-section, DS's circumsion/jaundice treatment). We didn't pay a thing. In fact, the only thing pregnancy/baby related that we paid was a $15 copay from when I had to see my OB for mastitis treatment.

Ivana_Stolichnaya · September 2010

$14,700 and some change. Insurance paid everything except for about $1500 which we pay off every month with $100.

Vaginal, epidural, oxygen for me, vacuum extraction...two nights in the hospital.

sweetkakes419 · September 2010

I have BCBS PPO in NJ, and paid $10 at my first prenatal visit and that was it. It all depends on your plan and the discount that the insurance company gets. My hospital charged $21k for the birth, insurance paid $3500, and I wasn't responsible for any other charges.

Make sure you ask about the $2k vs $4k OOP thing. I work in health insurance, and I'm pretty sure that it would be the 4k, because even though LO and DH won't have coverage while you are in the hospital, once you add them the coverage is effective retroactively to the date of the qualifying event (aka LO's birthday).

Mirage222 · September 2010

My total bill was around $22,000.00, I only had to pay a $250.00 co-pay and then since LO was in the NICU, I paid an extra $250.00 co-pay for that.

08summerbride · September 2010

I have BCBS and they covered 90% of the hospital stay. Our total out of pocket was around $600. $100 at the hospital, and a bill for $500 later on.

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