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Phoenix Babies
Pacbrz
member
Ob/gyn + hospital fees
Pacbrz
member
I am in awe of the cost we are being quoted for Ob visits & then hospital. Wondering if these fees are normal?
What is the fee for your Ob care + hospital in the greater Phoenix area? I'm in Scottsdale, but I would just like to know if this dr's office/hospital is out of their mind.
Thank you!!
This discussion has been closed.
Re: Ob/gyn + hospital fees
are you just paying out of pocket for everything?
with my insurance i pay a total of $115 for my ob visits, and labor/delivery
if you have insurance i really wouldn't pay much attention to what the ob offices actual fees are, since you're only paying your insurance deductible and copays...kwim??
no, it's a bcbs policy. his work totally sucks, but they have a really great insurance plan!!
I had Aetna when I had DD and I paid the $50 copay for the 1st visit and then nothing until delivery. At the hospital I only paid the $250 hospital co-pay and that was it.
The Life of the E Family
We have Cigna and we pay everything (at their rate) up to $2500 and then 20% until $5000. Fabulous isn't it? My OBGYN was $2200 for all apointments and delivery. The hospital was around $10,000 for me and $4000 for the baby. Then there are also like a million $20 things from all the people that checked the baby and $700 for the anesthesiologist. So, yeah, we hit that $5000 all right.
My husband works for Rural Metro but my insurance is similar with Scottsdale Schools- but a slightly lower deductible.
Thank you so much for all your replies :-) I now realize that insurance plans can differ greatly. It sure gets confusing when they use this global billing, and there's a deductible involved. Confusing b/c I don't like its non-transparency.
Good Luck mommies 2 be!
Not only do insurance plans differ - but the individual's benefits differ greatly. We really must learn to verify our own coverage BEFORE getting pregnant or shortly thereafter. If you have an opportunity to choose your own benefits, you must weigh your plan options closely. If you can choose a low cost plan combined with low deductible, sounds great, right? But will it have a higher coinsurnace? Or a higher deductible might be a better option if the coinsurance is 100%... There is soooo much to consider, and most women don't even know their own insurance benefits at all. Plus, if your benefits change in the middle of your pregnancy - what happens then? Some insurance assign copays for each OB visit seen if a delivery won't be billed. (Typically, most insurance have us bill Globally which means OB visits, delivery and postpartum care). This gets really bad if changing insurances in the middle of a pregnancy. I've seen a lot of women who are stuck with paying their deductible twice because of that! Or a lot in copays to the old insurance and a deductible and coinsurance to the new insurance!
Call your insurance, find out your benefits! Ask your provider's billing office! Don't be uninformed of your own cost/responsibility and be shocked later!
Typically, with the the way insurance coverage is going (which is less and less coverage for more cost) is a $3000 calendar year deductible, then 80/20 coinsurance after 1st copay paid of like $25... That's a general example. Some are a lot more. Some plans have an additional copayment that applies upon admission to the hospital. And if you have coinsurance, you're 20% may vary greatly from insurance to insurance. It's NOT based on the billed amount from the provider. It's based on the REIMBURSEMENT amount the INSURANCE pays the provider. Big difference! (as of right now, BCBS typically reimburses providers more than other insurances, so that's a higher coinsurance for the patient)
If you transfer care to another provider, you'll owe more also. You'll owe copays usually to the 1st doctor, then whatever your Global OB benefits are to the 2nd doctor. There's a lot the insurance doesn't tell you unless you ask. And 90% of women don't ask and get upset that the doctor is overcharging. That's not the case. They have to bill following the insurance company's rules...
There's a lot to insurance and billing and the rules keep changing. It's very important to know your own benefits.
Tif