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Multiples
How much did you pay OOP for Delivery/NICU?
I know this is a personal question, so feel free to disregard if you feel uncomfortable. I am putting money into our flexible spending account for 2009, and I don't know how much it will really cost to have these twins.
We are in an HMO, so if we are in network, then we only have to pay 10%, no deductible. My husband thinks that that the out of pocket max is $1,000 per person, so if there were complications with me and the twins, the max would be $3,000.
Does $2,000 or $2,500 sound like a good amount, including all their appointments during the first 6 months? Other than the twins, DH and I aren't planning any large medical expenses.
Thanks!
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Re: How much did you pay OOP for Delivery/NICU?
We paid $4,500 between myself and the twins (remember I had a 2 month hospital stay). This was our deductibles and co-insurance. We'll be switching to an HMO this next year with the same as you (10%).
I would say the numbers you're looking at are appropriate. Although I will admit...we had NO clue one of our twins would need as much medical attention that he does at this point (oxygen/feeding tubes etc..)...so you just really never know...
I guess if I were you....I'd plan for the full $3,000 and hope to be pleasently surprised if you end up paying less. Just to be safe.
It really depends on your insurance. I've got an OOP max of $1500 for me. I called my insurance company, and they said I wouldn't have a separate OOP max for the twins for L&D since they wouldn't be on my insurance until *after* they're born. Definitely call your insurer and ask about this, you may only be responsible for the $1000 OOP max for yourself. This could make a big difference for your FSA. Also, is your FSA acessible if you're using disability coverage for your maternity leave?
Well baby care (routine appointments) is covered 100%, no copays. So I'm figuring on paying $1650 next year ($1500+$150 deductible which doesn't count towards the OOP max).
Nothing so far. The most we had to pay was $600 and we ate through that in the first 12w.
I seriously hope that we don't get a huge bill. It's been 15m, you'd think they would have billed us if there was anything left, right?
I'd max out the account. Even if you have a completely uneventful delivery, no NICU time, etc, there are still a TON of medical expenses. You'll have several doctor's office copays for yourself, then 2 copays every time you bring your kids in. Then there's also dental work, eyeglasses, prescription and non-prescription medicines... it's amazing how fast it adds up!
Oh, and so far we've paid $3,000 for their NICU stay and my hospitalization. It may end up being double that. The insurance company and the hospital are still fighting.
I paid one $40 copay for my prenatal care for the whole pregnancy... then $750 each for me and each of the babies, so just over $2250. Now that they're here we pay a $20 copay for each of their pedi appointments and they've had to have a lot of them... so that is starting to add up.
All in all though I'm glad that we only paid about $2250 because the bills for just the babies alone were over $200,000!!
THANK YOU ALL!!! I copied and pasted all your responses in an email to my husband! Now he knows why I'm on this board all the time - you guys are sooooo helpful!!!
So, we're maxing out - $2500 in medical and $5000 in dependent care - that's the max - so hopefully that will be enough!
My entire pregnancy, c-section, and hospital stay were 100% covered. Both babies went to NICU, and that is where we had to pay 15% of all costs. It really added up since DS was in there for 9 days, and DD was in for a month with MRSA and meningitis.
Our catastrophic limit (the max we would ever pay out of pocket) is $5,000, but we never reached that.
Between my multiple visits to L&D, my hospital stay and B&K's 3+week NICU stay our bills totalled over $300k. We paid $6000 out of pocket for our deductible & co-insurance and had maxed out our FSA to help off-set the cost.
By the time I was put on hospital bedrest (my water broke at 32 weeks, and I spent two weeks in the hospital on bedrest), I had already met my OOP for the year ($1000) because of the OHSS that I suffered earlier in the year. But, for the twins, we paid a total of $750 for both of them because our insurance had a dependent OOP max no matter if it was one child or ten.
My bill alone for the bedrest (not including delivery) was over $30,000 and the babies spent 8 days in, so theirs was way up there too. We did pay a couple of smaller things, like my epi was not included part of my OOP for the year because for some reason it wasn't "in network" or something. I think that we paid another $200 for that. So.... Just under $2000 for everything.