? for those who have had babies before

Kuleama · February 2011

I just got a quote from my OBs office for all doctor visits (including one u/s, a non stress test and all postpartum care) and the doctors fees for delivery. After my insurance, my responsibility is about $1400. I know this doesn't include labs or hospital fees.

How much more should I be expecting???

mooninlv · February 2011

i think we ended up paying about a couple thousand out of pocket the first time

beewltched · February 2011

We were responsible for paying our deductable. Maybe you can call your insurance co. they should be able to tell you a better amount than your ob office.

MandiNewMommy · February 2011

I got mine today too...it said I will owe $3000 after insurance...mine said that is not bloodwork,ultra sound or the hosp.

MrsGo4Hockeychick · February 2011

you're going to get a huge range, because each person's insurance policy is different. With DD, we didn't pay a dime for anything. My prenatal care and delivery were covered 100% because I worked at the hospital I gave birth at. Our plan changed the year after that, so even if I were on their coverage now, I'd have a 200$ copay for each of us.

On DH's plan, we're on deductible. Our OOP max is 5000 for family, but our deductible is 750/person. We'll probably hit that max, even though prenatal care is 100% covered.

rockylover · February 2011

Definately call your Insurance to find out what they cover. Every plan is different. I do know a lot of plans you have to pay a percentage of the total hospital bill. Someone did a question once about the average cost and for a Vaginal delivery short stay it started at like $14,000 and the goes up from there and really goes up if you have a C- Section. I think your best bet is to contact your insurance though and find out your coverage and what the patient responsibility is.

Megnucrzy16 · February 2011

For our DD, I had typical vaginal birth w/no extra complications for baby or me...and our bill was 7800...we had to pay $750 out of pocket. I had an epidural and they billed separate.

MissLMS · February 2011

With DD we paid $375 up front... by 20 weeks... and then the remainder after the birth. After insurance the hospital billed us $1,100.

I didn't realize it until I called the hospital wanting to set up a payment plan when they asked us how much we could pay on the spot. I told them maybe $700.. and the billing person said that if we could pay $750 that day, the hospital would write off the rest of the bill.

I had no idea that large hospital bills were even negotiable!

Unknown · February 2011

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fabfive · February 2011

MissLMS:
With DD we paid $375 up front... by 20 weeks... and then the remainder after the birth. After insurance the hospital billed us $1,100.
I didn't realize it until I called the hospital wanting to set up a payment plan when they asked us how much we could pay on the spot. I told them maybe $700.. and the billing person said that if we could pay $750 that day, the hospital would write off the rest of the bill.
I had no idea that large hospital bills were even negotiable!

wow! that is awesome!

b15chik · February 2011

when i had ds, i was actually being covered under 2 insurance policies (mine and my dh's), so what the primary policy didn't cover, the secondary policy did cover. for the deductible i had a company "credit card" type thing that gave you $500/year for medical expenses. i got lucky and didn't have to pay anything at all.

this time around i'm, under dh's insurance only and will pay a total of $115 for my office visits, etc, and hospital stay. super awesome policy. if i go in network they cover 100% of costs after deductible.

also remember that you're going to have a separate hospital cost for your new baby

sugabooga · February 2011

your first step would be to contact the insurance company and find out what deductibles and co-pays you would have. I actually did that today and asked for worst case scenario. everyone's plan is different and so is hospital costs. our insurance was billed $29,000 for our hospital stay last year. vaginal delivery with epidural. You will get alot of different price ranges on hospital costs depending bon location. of course thats not what they paid - it was a negotiated price. I think that's why another poster was able to negotiate a cheaper price for what she had to pay. Insurance companies never pay full price. don't forget any anesthesia (epidural) will bill you seperately. So will pediatrician and if you have a boy and have a circumcision. The ob also has a seperate fee but ours was an all inclusive fee.

Susan&Skip · February 2011

with our insurance we only had to pay a co pay once and a co-pay every time we went to maternal fetal... so about $250.

DH insurance changed this time though; still waiting to get info from my dr's office on what i owe.

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