How does your doc charge?

stephers_7 · May 2011

So, I went in for my first u/s and check up on Tuesday and she told me that I'd go in once every month and then near my second trimester I go twice a month and in my last month I go once a week. Every visit I get an u/s. I thought that's going to get so expensive. Apparently what she does is a flat rate for all prenatal visits and vaginal delivery. Its extra for a C-section and it may be extra if I have to go in more often, like if I have complications that need to be monitored more closely.

They work out everything with my insurance first and then set up a payment plan for our part so that everything is paid off in full before baby gets here.

I'd say that's a pretty sweet deal!

iluvmylab · May 2011

That's exactly what mine does, but I'd only have to pay up to my deductible, which is $750.

stephers_7 · May 2011

iluvmylab:
That's exactly what mine does, but I'd only have to pay up to my deductible, which is $750.

I think that is what I have to do, but we didn't know our deductible so they'll let us know when they talk to our insurance.

iluvmylab · May 2011

stephers_7:

iluvmylab:
That's exactly what mine does, but I'd only have to pay up to my deductible, which is $750.

I think that is what I have to do, but we didn't know our deductible so they'll let us know when they talk to our insurance.

You can call your ins. and ask or maybe even look at your coverage online. Since I'm a teacher, my plan runs from September to August, so baby is coming in the middle of my plan year, so I probably won't contribute to my deductible at all. I'll most likely owe my OB $750 and then my out of pocket maxinum is $2000, so that much to the hopital. We already stashed the money to cover it.

PandaMom06 · May 2011

Our insurance has a $3000 deductible. We've already met half of that. My OB office said they will just charge me for the services they do that day. If I can't make the whole payment that day then it has to be paid by my next visit.

They also have set amounts of vaginal or c-section pregnancies/deliveries. If you are high risk or need extra stuff then that is additional.

stephers_7 · May 2011

I had it in my head that having a baby was SO EXPENSIVE. That's all I ever heard my SIL saying but I don't think we're going to have to pay over $2000 for everything. That's really good IMO. I was super relieved. AND, our doctor also reminded us that a december baby still gets us a tax credit in January haha. Get a jump start on that college fund!

GoldenPeaches · May 2011

My MW has specific charges based on which insurance you have. For anybody not on Tricare or Medicaid they charge 500-1000 dollars up front. They explained it as being because private insurance companies don't reimburse a dime until months after the baby is actually born. For the people on private insurance they would set up a payment plan. Luckily I have Tricare (best insurance ever!) and the fee was only the 25 dollar global maternity deductible + the birth centers 150 dollar fee to hold my December slot. Needless to say, I had no need for a payment plan.

Trumom76 · May 2011

This one is only costing us a $10 co-pay. Amazing!! Blessing!!! Don't be too jealous my daughter cost about 100k and 7 years of fertility.

NovOwl · May 2011

This makes me thankful to live where we have free public healthcare!

stephers_7 · May 2011

The other great thing is my husband had just signed us up for AFLAC through his company earllier this year so we get reimbursed for every day we are in the hospital day and so for 3 days we each get about $1500. That pays for the bills and more. I'm glad we stuck with his insurance and not mine that I get through my job. Mine is really good but his was obviously better.

tosh24 · May 2011

CDoll84:
This makes me thankful to live where we have free public healthcare!

Word. All this talk about FMLA and mat leave policies, insurance coverage and copays, etc. is making my head spin. Happy I don't have that added stress.

stephers_7 · May 2011

tosh24:
CDoll84:
This makes me thankful to live where we have free public healthcare!
Word. All this talk about FMLA and mat leave policies, insurance coverage and copays, etc. is making my head spin. Happy I don't have that added stress.

Seriously, I'm from Bolivia ( a 3rd world country) and their healthcare system is so much better than here in the U.S....all because we don't have to deal with insurance companies! Healthcare is good and its so inexpensive. My husband I were there back in 2005 and we both got a bug from some food we ate and were put on IV's in the hospital for 7 hours and that with all our medications equaled out to about $20 for the both of us.

It doesn't have to be this complicated but no one sees eye to eye in our country so we get to pay out the A$$ for it.

DiademChi · May 2011

I have full coverage via my insurance. I just have a flat $10 co-pay for office visits, and a flat $10 co-pay for lab work. Hospital stays are also really cheap (again in the $10 range).

I think it varies drastically depending on what insurance coverage you have.

stephers_7 · May 2011

I just got the call from my doc. to have the baby + all prenatal visits its going to cost me $285 out of pocket. WOO!

Ruby_Soho · May 2011

Wow. All my midwife and doctor visits in relation to my pregnancy are free. DS's doctor and dentist visits are free also. I had an helicopter ride to hospital followed by an emergency c-section, a 10 day stay in hospital with DS in NICU and that was all free too. In addition, there's a trust set up so we got a gift of petrol vouchers and food vouchers to help with costs while we were in hospital. AND in addition to that we were reimbursed for DH's fuel and accommodation costs when he came to visit us (3.5 hours from home) in the hospital! I totally love New Zealand and am so thankful I don't have to deal with insurance for any of this!

KansasFarmMomma · May 2011

My OB charges a flat-rate of $2800 for a normal vaginal delivery. Lab work & ultrasounds are additional. My insurance has a $1500 co-pay so we will probably end up paying between $1500-$2000 for this LO

robynlynn83 · May 2011

Mine works like yours. I have u/s at every appointment and it's a flat rate. We have met our deductible already this year so I pay 15% of everything up to our max out of pocket which is $2500 per person ($5000 per family) which I am quickly meeting with my Zofran pump and 3x weekly IV hydration.

mbf124 · May 2011

since I have good insurance I'm not sure what they charge. My insurance will cover 90 percent of everything including every ultrasound, c-section costs and overnight hospital stays. I just have to meet my deductible of $250 and pay my $15 co-pay at each doctor visit.

awillis13 · May 2011

My doc doesn't even take copays anymore, they said part of the new "Obamacare" is that there are no copays for "wellness" visits (routine checkups). They've said prenatal visits are part of that as well (and I've actually had a few copays mailed back to me from other docs as well). I have to make a more in depth phone call to my insurance to double check, but it looks like I will just have to pay for the occasional copay, my husband's portion of the birthing class, and the $500 deductible for the hospital delivery. Luckily, we still have that money in our FSA account.

Mass-girl-at-heart · May 2011

I love the insurance we have through the military, we pay nothing at all and I have Aflac so I get paid for some appointments and my hospital stay.

buttercup1221 · May 2011

Mass-girl-at-heart:
I love the insurance we have through the military, we pay nothing at all and I have Aflac so I get paid for some appointments and my hospital stay.

Ditto on the military insurance. I've never seen a bill for any care I've received and won't for anything related to baby. Wish we would have signed up for Aflac though!

It's nice knowing you won't have any medical expenses, just everything else

KMZ1983 · May 2011

Mass-girl-at-heart:
I love the insurance we have through the military, we pay nothing at all and I have Aflac so I get paid for some appointments and my hospital stay.

Same here! I have short term disability as well to pay a good portion of my salary during maternity leave.

Kymmah · May 2011

I'm lucky to have Kaiser in Cali and don't have to pay a dime. All visits, medications, U/S and the delivery/hospital stay are covered. The only things not covered are some elective classes offered at the hospital. Thank goodness!

juepnunes · May 2011

My plan with Blue Cross Blue Shield in FL has a $35 co-pay for doctor's visit and nothing for exams and tests. As far as the hospital bill, I will have to pay $600 + $50 for every physician I see at the hospital. I am glad both C-section and natural birth will cost the same for me. The deductible is $2500 and I don't think I will reach that.

rxyb13 · May 2011

I paid my specialist copay of $30 at the first appointment and my OB doesn't charge anything to me or my insurance company for the duration of the pregnancy, as it is wellness, until birth. For outside diagnostic work, such as my NT scan that is at the hospital and not the OB office, I have a $250 deductible for the policy period and pay 10% with an out of pocket max of $1,000. This LO should cost only $1,250 total.

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