did your OB have a "global plan" with your birth?

DavezWife · September 2011

New to me, but I guess fairly popular... you pay (basically) one price for your pregnancy visits and delivery. Ours has a vag & c/s price, (c/s was $500 more) and once I got into the fine print... it doesn't include really ANYTHING but clinic visit fees and the doc's delivery charge.

Labs, all tests, ALL u/s, anesthesiologists, hospital fees, NT's....NONE of that is included.

Not sure I really want to "shop around" b/c I love my doc... but really? REALLY?

(funny sidebar - I pay two fees for a vag birth of twins,. but only one for a c/s twin birth. And I'm charged twice for the anatomy scan. makes sense, I guess... but....)

Just curious if all plans are like this, or just this one?

charmcitygirl · September 2011

Is this something related to your insurance?

My OB recently sent me a notice that they checked with my insurance. I pay nothing for regular visits, but a $25 copay for u/s, NST, BPP, etc. I don't remember what I specifically paid for delivery, but I think it was determined by my insurance company (inpatient stay, anesthesia, etc.).

sasa625 · September 2011

That's how mine was. It wasn't a big deal with DD because we had awesome insurance that covered the whole thing and I didn't even see any of the bills. Now we're on DH's insurance and we'll be paying more out of pocket, which makes me nervous (not that I'm pregnant now, but I'm hoping it'll happen again one of these days). I know how much we paid for DD to get tubes so I can only imagine what the hospital fees for childbirth will be (I jokingly told one of my good friends that she's delivering my next baby in my bedroom )

I'm looking for a new doctor now, so that's definitely on my list of questions.

naflmj · September 2011

I thought it was based upon insurance. I paid a $20 copay for everything...visits, scans, bloodwork, delivery, etc.

DavezWife · September 2011

charmcitygirl:

Is this something related to your insurance?

I'm not quite sure how this all comes together with insurance. I'm obviously not going to worry about it so early on, but I was talking to someone about the cost of all my "OMG! I'M CRAZY AND NEED A PEEK RIGHT NOW!" u/s's I'm going to end up with....and she thought u/s were included in the typical "Global Plan." So I called my billing lady to see. In my case, they're not.

We do have a pretty nice HSA thingy that D's company pays toward our deduct, and I'm guessing we'll pay 20% of anything else, so we might be ok. But honestly, I can't think past next week, much less birth, so I'm just more curious than anything, lol. (and bored. dang! what happened to my friday nights???????????)

and this is (MY) CLINIC specific, she didn't even know what insurance I have when I asked.

AlissaCell701 · September 2011

That's how mine is also.. We just paid my ob $600 from our flex spending account. It covers everthing and then I have no copay for office visits or hospital bill for delivery. We did end up paying some extra money when I had Jake due to his Nicu stay and circ.. But we also used our flex spendign account.. Which is the best thing, it's tax free money!

Kmarie823 · September 2011

Mine was exactly like that. I paid the "flat rate" by the 6th month then they billed me in addition for the u/s's I had at every visit. I live in the midwest and it is very common practice here.

Watch out for those hospital fees though! A few weeks after we got home I got a letter from insurance denying the one of the babies nursery charges. The insurance company tried to tell me I only had 1 baby! They covered it in the end.

My only advice is double check those bills! Errors happen all the time.

If you love your doc I would stay where you are. Having a doc you love is so important IMO.

Good luck x2!

kimberic · September 2011

We had that but I just ignored it because we have awesome insurance. We had a $10.00 co-pay for Dr. visits and everything else was covered 100%.

I think it's for those that have no insurance or craptastic insurance so there are no surprises when the bill comes.

kimberic · September 2011

DavezWife:
charmcitygirl:

Is this something related to your insurance?

I'm not quite sure how this all comes together with insurance. I'm obviously not going to worry about it so early on, but I was talking to someone about the cost of all my "OMG! I'M CRAZY AND NEED A PEEK RIGHT NOW!" u/s's I'm going to end up with....and she thought u/s were included in the typical "Global Plan." So I called my billing lady to see. In my case, they're not.

We do have a pretty nice HSA thingy that D's company pays toward our deduct, and I'm guessing we'll pay 20% of anything else, so we might be ok. But honestly, I can't think past next week, much less birth, so I'm just more curious than anything, lol. (and bored. dang! what happened to my friday nights???????????)

and this is (MY) CLINIC specific, she didn't even know what insurance I have when I asked.

I had a lot of those u/s and they billed the insurance co. I only had to pay the co-pay for the Dr. Ultrasounds weren't included on our "Global Plan" either.

KYRN · September 2011

Now your insurance should have a global coverage plan and b/c your Dr takes your insurance they have agreed to whatever your insurance negotiated. Even though labs etc. are charged separately because they are from a different provider it should be covered by your insurance at whatever rate prenatal care is covered (100% after co-pay, 90/10, 80/20 etc).

ETA: other things that will come into play are deductible, out of pocket max and the fact that your prenatal care will go into another year when things start over (I'm not sure how that works with pre-natal care). But you should be able to get an idea if you need more $ you can add to HSA or FSA at open enrollment.

DavezWife · September 2011

I actually checked to see if we could bill/pay their global fee before the end of 2011, but got denied. lol. She said "you'd be surprised how many people ask that!" I'll be, like $5 shy of our out-of-pocket max AGAIN on Dec 30th, with NO time to schedule those little fun extras that would now be paid in full! haha.

I'm so glad Davez is awesome at all this number crunching stuff... but MAN it will be nice to be a regular normal family with just ear infection appts and a tiny FSA acct to cover some anti-b's and cholesterol meds. lol.

eriness` · September 2011

Both the clinics I went to did this. One price covered all prenatal exams, medically needed u/s, labwork, etc. One price for v, one for c/s. Extra was drugs during childbirth, and a few other items. Included was the 6 wk pp appt. I didn't really care because I had rock star insurance and paid a single $20 copay for all pre-natal visits, as in for $20 I saw the doctor a lot-not each time I went in. Then my insurance covered all but $250 for delivery, no matter the method and amount of drugs. So for $270 I got the baby out.

dusk42 · September 2011

It depends on your insurance. My OB has a global plan that includes visits, their presence at delivery and checking on you after, circumcision if you have a boy, and your pp visit. Doesn't include the other junk. However, I'm assuming that for some insurance plans, you pay very little (like the $25 people talk about) - we still had to hit our deductible and then we owed 20% of the global fee and also of the hospital bill. We hit the deductible early because we did the NT scan.

futureMrs.Eanes · September 2011

With my insurance, I paid a $25 copay at my first visit, then everything else was included. The hospital visit was $300, but if you registered early and paid within 30 days of birth, the bill came down to $180. So $225 for each of my pregnancies and deliveries. Oh, and I had a vaginal delivery with DD#1 and a cs with DD#2 and they were the same price with my insurance.

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