XP Poll: How much is your delivery costing you?

kimbo1216 · April 2011

Please go take my poll. I'm super curious to see the ranges.

CarlaAndJames · April 2011

I said $1000-$2000, but we're definitely guessing.

My insurance covers 80% after a $200 deductible (which I've already met this year), with $1000 out of pocket max. I've paid a few hundred here and there for other things, plus I already have the bill for $400ish for my dr's fees for the delivery. That leaves us with just a few hundred dollars left they can make us pay for hospital/lab/anesthesia costs for me.

Don't forget the little one is insured separately. For her we have a $500 deductible/$1500 out of pocket max. So the max we could be out for her hospital stay will be $2k, but we're hoping it's more in the $1k range. (Her insurance is like mine, I think they pay 80% of hospital costs after the deuctible is met)

emylos · April 2011

$0. One of the benefits of military - we don't have to pay out a penny towards pregnancy, labor, or delivery.

kbel424 · April 2011

5k because we are going to a birthing center which isn't covered by our hmo plan. I'm due June 4th and our insurance switches to a ppo on June 1 st though in which case it would be 70% covered. But we are just planning on paying the whole 5k.

M&M227 · April 2011

I'm very lucky. One $10 co pay at my first prenatal appointment which the office refunded to me by mistake, twice. So, it's costing me -$10.00, lol

sunset+skies · April 2011

I'm in Canada, so it's free. Even if I didn't have coverage through work for a semi-private room, I'd be put in a ward at no charge

bearbear108 · April 2011

$5 copay for my doctor visits, free lab and ultrasounds, and my baby will be completely insured for the whole delivery process. He will also be covered under my insurance until he is 21 years old.

MommaA117 · April 2011

Lets just say a LOT. I try not to think about it. Not just delivery though. I had to have the surgery and see specialists too etc..Luckily we had a pretty good e-fund. Plus I'm going on 14 weeks out of work with no pay.

denall · April 2011

Answer XPosted:

My insurance pays for it all. I had to pay $15 for my first ever OB visit once I found out I was pregnant, and that takes care of 100% of my visits, plus a 48hr stay in the hospital for vaginal delivery, and 96 hrs for c-section. Which matches my hospitals times to a T. If I wanted to give birth in a birthing center I would have to pay $50 bucks, thats it, and then insurance would kick in for the 100% of the rest. They even pay for a midwife I think!

** If for some reason, heaven forbid, I need to stay in the hospital longer than times stated, the hospital only needs to get authorization.

*** This was on my insurances website after I put my plan in, Dr. Name, etc:

Estimated Treatment Cost: $6,305-7,456Plan Responsibility: $6,290-7,441

Member Responsibility: $15

RobinSparkles81 · April 2011

sunset+skies:
I'm in Canada, so it's free. Even if I didn't have coverage through work for a semi-private room, I'd be put in a ward at no charge

this.

LauraOTR · April 2011

So far, we've received a bill for around $700, which includes a $100 copay, and 10% coinsurance (90% is covered) of "estimated cost" for regular vaginal delivery. I assume that doesn't include epidural, and possibly other "above and beyond" expenses. Even though 90% is covered, we'll still only pay $1K b/c that's our out of pocket max.

EmmysMom08 · April 2011

sunset+skies:
I'm in Canada, so it's free. Even if I didn't have coverage through work for a semi-private room, I'd be put in a ward at no charge

This!

muriel & eder · April 2011

Everything is coming out of our own pocket. I voted $2000-3000 (pretty much $3000), but that's assuming it's a vaginal delivery with no epidural or induction of labor. If I end up having a C-section (I don't want one; fingers crossed), We would end up paying about $7000.

OctoberCAPA · April 2011

I am really grateful for my insurance. I have a $1500 out of pocket max for the year for me, and then a $3000 OOP max as a family. I've met my max with all my extra diagnostic tests and the one night I spent in the hospital in March. I'm expecting we'll have to pay the next $1500 for the babies in the hospital, but the delivery will be free, whether it's c-section or vaginal b/c I've already met the yearly max.

The pre-insurance bill for the one night I spent in the hospital--where very, very little was done and I certainly didn't have any surgery--was over $19k. If that's what one simple night is, I can't imagine what the pre-insurance bill for a c-section would look like.

Chicwed · April 2011

$0, but parking costs us about $10 every time we go see the doctor. i'm not complaining though!

PhotoCat82 · April 2011

Mine is $0 if I deliver at the birthing center. If I end up at the hospital, it is $500 a day up to a $1500 max. I answered up to $500.

DaisyJanie · April 2011

Ours is about $1500, but that includes prenatal care. That's for a birth center. If we'd gone with a hospital, we would have hit our $3000 out of pocket max I'm sure.

luckyluvr · April 2011

Thanks to Blue Cross of California, it will cost me $0, but it will cost my insurance a lot. DS was an unplanned c/s and the total was around $90k according to the insurance statements. With DD I had another c/s and complications that landed me back in the O.R. for a D&C that evening. In all, her total cost was $178K! I'm grateful for my insurance every time I think about the costs!

jlsimon56 · April 2011

Wow, I didn't think there would be so much variety.

My insurance is 90% covered after my $300 deductible - which is yearly, so we met it in 2010 AND 2011 so far. (My next pregnancy....I'll get pregnant in January!!) So far we've done any test that is "covered" by insurance but skipped anything that wasn't. We've spent around $800 so far?

The delivery itself (at a birth center, which is within the hospital) will run us around $2K. (That is the 10% we are responsible for.)

We REALLY need the economy to turn around so our other house sells. Two mortgages payments are killing us!

ragazza988 · April 2011

$45 first visit co-pay

$250 delivery co-pay

egpitt22 · April 2011

$10 copay for first visit to doctor, everything else will be covered 100%, including delivery.

nirern626 · April 2011

$0. DH and I both have union insurance through our jobs, and we have no co pays for anything. It's very nice.

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