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September 2011 Moms
veronicafvr
member
s/o OB Bills - How much are you paying?
veronicafvr
member
For those that are comfortable talking about money, how much is this whole shebang going to cost you? Medical bill wise.
We have a ridiculous deductible ($5000) with out insurance plan and the entire bill for prenatal visits and delivery, plus lab costs and ultrasounds, is around $4000, so we have paid all of that out of pocket. That is on top of paying about $350 a month for our premium. Only reason it is at all worth it is in the event something bad happens and I end up in the hospital then we are only $1000 away from meeting our deductible and then everything is paid 100%.
~ Josh & Jill, married 5/2/09 ~
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Re: s/o OB Bills - How much are you paying?
A LOT lol.
$1800 just for the doctor.... remaining $700 of my deductible, $2500 or less for LO's deductible, plus 30% coinsurance, plus $250 I owe the specialist, plus whatever else my insurance decides not to cover.... I already pay $485 a month for my premuim.
Fortunately for us, I work at the hospital I'm delivering at (and therefore have insurance through the hospital). So we don't pay a co-pay for OB office visits, but do have a $25 copay when I have ultrasounds done at my office. Other than that, we are only responsible for $250 towards delivery, which has to be paid before I deliver. After that, everything is covered in full. We're pretty lucky.
Edit: We also had to pay $75 and $72 for the first trimester NT blood work and second trimester screening blood work. But other than that, I don't pay anything for lab work (if done at my hospital). Since some of you have shared your premiums, I will too. I pay $236 a month for the family premium ($118 a pay period), which doesn't change after Cael is born, because it's considered 2 or more. I really can't complain.
$0. Military healthcare is an enormous PITA, but the coverage is unbelievable, so I try not to complain. A friend of mine delivered triplets at 28 weeks, all three had lengthy NICU stays and months and months of testing, procedures, and special services, and they've never had to pay a single penny.
According to the letter I got in the beginning of my pg, the OB part was supposed to be $1500. But we have already gone above that b/c I'm high risk. Fortunately, my payment plan is based on that $1500 so we'll have more time to pay the difference.
I'm not sure about the hospital part yet, I haven't registered so they haven't done the math. My oop max is 5K, so I'm betting we'll have to pay about that much in the end.
With DS, my part ended up being about $1500 for everything, including delivery & the hospital, but I had better insurance back then. DS' part was his oop max though of 4K b/c he was in the NICU. Hopefully this baby won't have any of her own charges
I paid a co-pay at my first doctor's visit of $25. I got the estimate for my delivery and all doctor's office visits and it was $648 (for my portion). Last December during open enrollment at my work, I hoped I would get pregnant this year so I went ahead and put $600 in my flex account, even though on a normal year I don't use anywhere near that much. Luckily it is all working out though and that was a pretty good guess so I'll only pay $48 + $25 first co-pay out of pocket, + 15% of anything over their estimate. (The flex plan comes out of my check so that money is basically gone to me anyways!)
$800 to the doctor
$150 for ultrasounds so far
$50 for any lab work done so far.
I have no clue what I'll pay out of pocket after the LO is born.
I've already reached my deductible which is $500 when I was in the hospital for 3 days at 7 weeks. That bill came out to $800. We are not sure how the doctor will work since I might be changing doctors when we change insurance in August.
Our deductable is $1,000. We are half way there as of today. I happened to call about this today. I probably should have done this 6 months ago. I feel pretty lucky about this.
i don't really know, but i'm going to say no more than 3600. the reason i say i don't know is because 3600 is our family out of pocket max, but we each have an out of pocket max of 1200. i don't know how baby boy will play into that and if he will have his own deductible and out of pocket max while we are in the hospital. i could call, but haven't. instead i'm just planning for worst case scenario.
ETA: oh, and we pay about $600 a month for a family plan. Luckily, that won't be changing with adding the new baby.
I had to pay a $25 copay at my first doctor's appointment but that's been pretty much it so far. I feel like I may have gotten a bill for $15 for some extra blood work I had done, but that's it.
Despite the fact that I vent a lot about my job, I have amazing benefits/coverage which I am so thankful for especially since becoming pregnant.
i might be wrong, but most private insurance won't cover maternity anyways.
No, ours isn't great either. In fact, both our premium AND our co-pays just went up last month. We are not paying much more out of pocket at the birth center than we would have paid using our insurance at the hospital.
My insurance is pretty crappy I feel. And private insurance wasn't an option because in FL you have to carry the maternity rider and that is only available through a group plan, which means through my DH's company and 5k deductible. Strangest part is that it is around $350 for the 2 of us right now (doesn't cover dental or optical UGH) monthly, but once LO is here it drops by $10. Very weird.
I know blue cross blue shield does but it's retarded expensive for the premiums. DH needs to get a new job with health benefits lol.
I have to leave 3 minutes ago to go back to work and pay for my crappy insurance lol but I'll be checking back up on this later.
Oh my gosh! I can't believe this. All of you are more than welcome to come to Canada and be my honorary Canadian relatives during your births. Everything is free here, for everyone, no matter where you work -- birth will cost nothing at all. The only thing we do have to pay for now is circumcision because it's now considered "cosmetic" so I think thats like $150 or something...oh and if you'd like to upgrade your hospital room (although some employers health plans cover this) while you are staying there to a private, cushy room, that costs something. It's too bad they dont have a better system in place, because the last thing people need when they are having a baby, or any other health care problem for that matter is to worry about money on top of that.
Opening doors to all of you!!
Not to mention you guys get a year maternity leave, right? You have no idea how often I tell people "you don't even want to hear about how good our pregnant neighbors in CA are treated".
On another note, I am VERY pleased to hear that our military aren't having to pay a cent. You guys deserve so much for your sacrifices, so that makes me very happy.
The letter I got from my OB estimated we'd be paying $1500. Which I'm pretty sure is our deductable. The whole event is much more than $1500 though!
Another Canadian signing in to say $0.
I think I got a bill for about $20 after I left the hospital to cover a few meals that DH ate or something, honestly I didn't even really look at it because it was only $20. We got a free upgrade to a private room since I had pre-eclampsia and they wanted to keep my environment low-stress to keep my blood pressure down.
I paid a $20 co-pay at the first visit then the rest is covered 100%. The delivery and hospital stay is also covered at 100%.
It's great coverage but we do pay for it. I pay $436 pre-tax per month so about $5,200 per year for DH and I. But again, the coverage is great. In addition to the maternity care, the treatments I rec'd for infertility were also covered. I just had to pay a co-pay upon each visit.
We paid the OB $225 up front and $29.67 per month.
In addition, I have paid all the lab fees, which is probably $300 so far.
Our deductible is $350.00, so after that is met, we pay the copay and 10% of the allowable billing.
We have a 2400 deductible, but DH's company contributes 1200 a year to our HSA, and we had 2100 in it at the beginning of this year. After the deductible is met, they pay 90% of everything else. No copays.
We'll end up paying 300 of our deductible + the remaining 10%. So far, all of my prenatal care including lab tests, NT scan, anatomy ultrasound and midwife appts has been almost 2000.
My bills are crazy expensive but the service is top notch so I'm not going to complain too much.
Our deductable was $2500, we met that already thanks to a bunch of early testing to to a previous m/c. Now we are responsible for 20% of the insurance amounts. My boss's wife just delivered under the same plan and at the same hospital and their out of pocket was around $800 at the end of the day. Mine will be more if I have a C/S but max payment is $1200. Our hospital is one of the best in the country, all the L & D rooms are entirely private and the drs are great, so I don't really mind the amount. I estimate between now and I then I will incur an addtiional $200-300 in bills for by % of the dr visits and lab fees.
I would suggest you definitely try, fighting your insurance company on what is included in your deductable and what is not and make sure they cover things. I've had to fight mine on a few things, including a ridiculously expensive gene mutation testing that I got done b/c my mom's cancer. By fighting it and appealing the decision, they ended up covering the whole test - the $5000 testing and the $850 they tried to make me responsible for. Every time I have challenged something they have either covered the payment completely or reduced it in some way.
I plan to call them and challenge any major bill and at least see if it gets reduced on appeal.