TTC with an insurance question

SpartyMom2B · November 2011

Hi ladies,

MH are TTC and need to change our health insurance, as our current plan will no longer be available in 2012. We are also trying to determine how much money to put into an FSA or HSA.

I know this is a super nosy question, but would you mind sharing your out of pocket costs for pregnancy and L&D? TIA!

JaysonandKristin · November 2011

Your OOP expenses will depend on your co-pays, your deductible and the percentage your plan pays for services.

My first pregnancy, we had BCBS. I had no co-pays for pre-natal services, $5,000 deductible and 20% patient responsibility. I ended up with a scheduled c/s; I ended up paying roughly $3,000 OOP.

My second pregnancy, we switched to Kaiser, and I only had to pay $200 per night hospital stay. Everything else was covered 100%. So, for my 2nd c/s I paid $400 OOP.

sebypb · November 2011

We have Coventry with a $2500 deductible and 20% after that.

$1,000 global prenatal/postpartum

$2,000 hospital

$500 in NST's

$500 to anesthesiologist

$500 - random other labs, etc

so far we've had 4 Dr's visits at $40 co-pay each

Good luck!

mylittlesunshine · November 2011

I am just jumping over to this board. OOP we paid $600

thetheisens · November 2011

Some people must have some awesome insurance! After dr visits, labs, hospital stay and delivery we are paying around $3000 out of pocket. I had to pay $1200 just for my ob to deliver me, and that is the amount insurance doesn't cover!

luvmyducks · November 2011

I think ours was around $3k total for pg, delivery, and DD's stay in the hospital.

SoxFan777 · November 2011

I have BCBS of Massachusetts. I had no co-pays, no charge for any labwork, ultrasounds, and prenatal care. I have NO IDEA what that all would have cost.

I do know that the hospital stay alone was $28,000 plus and it included 6 nights, an induction, epidural, c-section, and time in the infant care nursery for DS. Out of pocket expense was ZERO.

I pay a LOT per paycheck for my insurance but it gave me great coverage.

wintermama11 · November 2011

We switched insurance plans when I was 3 months pregnant because originally we had a high deductible plan. Our new insurance plan covered pregnancy 100% so I didn't have to pay anything out of pocket. Good thing, because the total hospital bill came to about $25,000, and that doesn't even include all my prenatal care!

OUKap · November 2011

My insurance paid 100% for maternity care and routine care for the baby while I was in the hospital. It also pays 100% for well care pedi visits.

We paid $10 for the initial ob appointment for me. So far for LO, I will owe $7 for a bilirubin test after she left the hospital. I think there might be some other charges.

TheFannins729 · November 2011

1st - 200

2nd - @1800.

blu-eyedwife · November 2011

As of right now we've paid $0. Waiting on the $100 hospital admission bill.

mrsgabus · November 2011

Our coverage is 600 deductible per person and 1500 family (is changing as of 2012 to much more ) They cover 80 percent after the deductible.

We paid full price my first ultrasound $600.00 OOP

we paid 40.00 per Ob visit = 440.00 OOP

My hospital stay was $950.00 OOP

My sons bill was 400.00 OoP

I am still waiting to see if anything else comes.... but we are at 2400.00 OOP

hey_little_bird · November 2011

i have UHC and i don't pay anything for regular OB visits.
i got a bill the other day for my first 2 ultrasounds; my portion was about $150.
i'm sure i'll get another for the A/S once i have it.

according to a "cost predictor" tool on my insurance website i'm looking at between $600 and $1000 total OOP for delivery (depending on vaginal or c-section)

but, insurance can be kind of wacky, so we'll just see what the bills for delivery say once i get them! (for instance, in my plan description is says a "semi-private room" is what's covered, but the hospital i'm delivering at only has private single-person rooms)

actually, hubby and i planned this baby based on his insurance coverage.

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