how much was your birth?

Princess_Lily · February 2014

How much (after insurance) was the cost of your delivery & hospital stay?

katie.725 · February 2014

MY birth or LOs Birth?

If it was my birth I'd have to do some calculations...gotta adjust for inflation

Princess_Lily · February 2014

Cool gif! I was meaning LOs birth.

fluttergirlmoonchild79 · February 2014

5K - 2500 max deductible for me and 2500 max deductibe for her

katie.725 · February 2014

Princess_Lily said:

Cool gif! I was meaning LOs birth.

Gotcha... We made monthly payments up to LO's birth which went toward a normal vaginal delivery... if we overpaid we would be credited...

All in all it was around $3,000. not terrible

fitmama418 · February 2014

*gets nervous*

Ummmm....$100 copay? I haven't gotten a bill for anything else...

barista411 · February 2014

Hospital stay was $480 and MW was $110. This is just for my part and I had already met my $500 deductible. We are just now getting DS's bills because DH's employer made a mistake while adding DS to our policy. I would say we have another $500 we will have to pay for DS.

[Deleted User] · February 2014

We only had our $100 co pay due to already meeting our $2500 oop max for the year. No co-pay for DS.

AlisonM12 · February 2014

Our co pay for everything was $200.

GopherBaby13 · February 2014

Free. Her 11 day NICU stay was free, too. I probably spent $500 just in prescription copay, though, because of anti nausea meds.

cagoldi · February 2014

Hit my max OOP at $3,600 for all prenatal and L&D services.

NBD. I've been squirreling away money in my HSA for years knowing I'd want it when we're going to start our family.

Still fighting with them over A's bill; He was put on DH's HMO and they processed the claim under that plan, but the hospital is still billing his services under my PPO.

dobrydney · February 2014

We lucked out. Last year DH only had to contribute $80 a month toward his deductible of $5200 and his office picked up the rest plus 100% of the premiums. So everything ended up being covered 100%. We only went over the deductible by $183 and the insurance will cover that one outstanding bill.

michelleh0385 · February 2014

$5k for me and $2k for LO.

drowe214 · February 2014

I think we need better insurance for the next one based on others oop expenses. I've kind of list track but both LO and I had $1300 deductibles and then things were covered at 80%, so we probably paid around $3500 so far.

3Dewdrops · February 2014

It was about 3300 for both DS and my hospital bills.(2 days, vag birth) DH mentioned wishing we had a planned pregnancy instead of a surprise. He would have gone with a better coverage plan for the year. The plan we have is a lil under 80 a month for the whole fam so I thought it did pretty well!

JamieCallow · February 2014

We did not have to pay anything...DH is active duty Navy and we have Tricare also.

JennOH85 · February 2014

About $100 for LO's bill. I'd long since reached my annual $500 OOP max so it was zero for me (with no co-pays for prenatal care and insurance covered my pump 100%). My salary sucked big time but the benefits were nice.

Mum2Be28 · February 2014

I think around 3,700. We have a $2000 deductible but most of that was paid when we paid the OBGYN while pregnant. Then we owed 30% after that. I think...

mwhipple77 · February 2014

I thought my company provided good insurance benefits, but after reading everyone else's expenses, I'm thinking not. My max out of pocket deductible is $5000, once I pay the first $2,500, my company reimburses me the balance. So the $4,300 I've been billed so far after insurance and hospital write offs, I'm responsible for $2,500 and my company gave me a check for $1,800. I've had to contact the hospital a couple of times though because they are re-billing some charges so I think my total may change. Is there a max amount of time that a hospital can submit charges to your insurance company? It's been 3 1/2 months, I would think by now everything would have been billed.

Mum2Be28 · February 2014

3Dewdrops said:
It was about 3300 for both DS and my hospital bills.(2 days, vag birth) DH mentioned wishing we had a planned pregnancy instead of a surprise. He would have gone with a better coverage plan for the year. The plan we have is a lil under 80 a month for the whole fam so I thought it did pretty well!

Geez what plan is that?? Does he work for a big company?? My DH is a lawyer with his own small practice by himself, so we get our insurance through the Bar with BCBS. We paid about $800 a month for the two of us the year I was pregnant. $2000 deductible. $40 copays. 30% after that. Now with little one added its around $1000 a month. It sucks.

mmm50 · February 2014

$6,000 for the whole year- our out-of-pocket max

Chargersgrl33 · February 2014

Nothing . Tricare here too.

CarrieB. · February 2014

Our out of pocket deductible and copayment max for family in 2013 was about $3750. After FET and DH's cataract surgery earlier in the year, we paid most of it, so we paid about $1000 for the birth, hospital stay, newborn care, etc.

It was fantastic to have insurance that covered FET since we were completely OOP for DD1's IVF. We joke that DD2 was our buy one, get one free baby.

annalisel · February 2014

Had I been the one pregnant, it would have been $250 OOP for all prenatal care and delivery.

My own birth decades ago was $921 or about $5500 in today's dollars. They wouldn't let my parents leave the hospital with me until my dad wrote the check. My mom is still annoyed about this.

Jdelli27 · February 2014

I have yet to see a bill but from other ppl I work with who have same insurance they didn't pay anything....so considering I have yet to get anything I'm hoping the same. Weird tho that I haven't at least received an EOB from insurance company. Anyone else not heard anything yet??

SamanthaPo · February 2014

I think it totaled around $700, but I haven't received LO's bills yet so the total may go up.

Dreamingmommy4 · February 2014

Thanks to Obamacare I am still covered under my parents' insurance even though I'm married. I have a $2500 deductable of which I paid just under $2000 OOP, since my family maxed out the $7500 family deductable before I maxed out my personal one. Since I could not add DD to my insurance (you can't have a dependent of a dependent) I had to get state insurance so she would have coverage. Thanks to the double coverage I have paid $0 so far for L&D, but there are still claims being processed, so we shall see.

Kfran84 · February 2014

I paid 10% of my $7500 hospital bill so $750, plus $250 for all my OB visits and 6 week check up. So $1,000 total.

annalisel · February 2014

LJGS1010 said:

leopardgurl831 said:

Had I been the one pregnant, it would have been $250 OOP for all prenatal care and delivery.

My own birth decades ago was $921 or about $5500 in today's dollars. They wouldn't let my parents leave the hospital with me until my dad wrote the check. My mom is still annoyed about this.
I'm sorry, I don't remember your birth story. Could you elaborate on your first sentence?
I second this @annalisel

Her name doesn't ring a bell, so I looked at post history - looks like she adopted.

Yes, that's correct.

I contributed because I find the range of OOP costs for pregnancy interesting, and kind of sad. The difference between what I would have paid and what you pay with medicaid in my state isn't that much. The difference between what some people paid and what you pay with medicaid in my state is, well, large. - but very worth it!

Kaymee · February 2014

Mine will not cost anything, but usually I get something in the mail saying how much the tital cost was. Still waiting on that...

LoveOfMikesLife · February 2014

My insurance doesn't cover anything maternity.... And I was high risk..... So we are looking at, ohhhh $75,000 ish! Haven't gotten all the bills yet

3Dewdrops · February 2014

Mum2Be28 said:

It was about 3300 for both DS and my hospital bills.(2 days, vag birth) DH mentioned wishing we had a planned pregnancy instead of a surprise. He would have gone with a better coverage plan for the year. The plan we have is a lil under 80 a month for the whole fam so I thought it did pretty well!
Geez what plan is that?? Does he work for a big company?? My DH is a lawyer with his own small practice by himself, so we get our insurance through the Bar with BCBS. We paid about $800 a month for the two of us the year I was pregnant. $2000 deductible. $40 copays. 30% after that. Now with little one added its around $1000 a month. It sucks.

Edited to add an answer since it vanished...

He does work for a big company.(huge one actually) We have BCBS too, It's so sad how pricey insurance gets. My cousin's husband is self employed and their insurance covered only 500 of their total bill. Harsh!

cagoldi · February 2014

DevynnMarie said:

LoveOfMikesLife said:
My insurance doesn't cover anything maternity.... And I was high risk..... So we are looking at, ohhhh $75,000 ish! Haven't gotten all the bills yet
This was me. I was able to get emergency Medicaid for last minute but it only covered 45 days before I got approved and luckily a normal delivery.

My delivery wasn't normal and LO wasn't covered plus I was pregnant for 7 months before i got Medicaid.

I owe about 60,000 for me and LO.. I need to work out payment plans

Holy shit! I'd have a panic attack if I saw either of your bills.

See if you can work out a cash price. I used to work for a hospital doing billing. We could get the CFO to sign off on huge reductions if the patient submitted a letter explaining their financial hardships and inability to pay.

Every facility and billing department is different but you should ask what they can do for you.

brandeeteer · February 2014

I have insurance that I thought was pretty good. Now I'm rethinking that. We've spent about 10k so far and I don't think we are done yet. High risk + prenatal issues + 2 inductions + delivery problems + specialists after birth. Our bills totalled 100k so far of which we pay 10%.

piperleigh · February 2014

Mine was free, We are on Medicaid.
My DH is in dental school and I'm a SAHM. Edited because I felt like I needed to justify the Medicaid.

ranaverde · February 2014

LoveOfMikesLife said:

My insurance doesn't cover anything maternity.... And I was high risk..... So we are looking at, ohhhh $75,000 ish! Haven't gotten all the bills yet

DevynnMarie said:

This was me. I was able to get emergency Medicaid for last minute but it only covered 45 days before I got approved and luckily a normal delivery. My delivery wasn't normal and LO wasn't covered plus I was pregnant for 7 months before i got Medicaid. I owe about 60,000 for me and LO.. I need to work out payment plans

Hello, my friends in the same boat! We couldn't wait a year (either for Obamacare to kick in or to cover a maternity rider) so only emergencies were covered, maternity-wise. We're looking at around $40-50k for the whole pregnancy; the birth itself was about $20,000.

As PP noted, be sure to talk to your hospital's and doctors' billing departments - they may be willing to cut you a discount or set up payment plans when they see that you're effectively uninsured.

LibberDuck · February 2014

We have BCBS federal, and I only had a $150 copay to the hospital. When DS1 was born, everything was covered 100% because we had the high option, but we switched because the low option ended up being less expensive in the long run, even with the copay.

Ninjamama86 · February 2014

$10 copay at my first prenatal appt, free otherwise after that

LibberDuck · February 2014

karissa2009 said:

LibberDuck said:
We have BCBS federal, and I only had a $150 copay to the hospital. When DS1 was born, everything was covered 100% because we had the high option, but we switched because the low option ended up being less expensive in the long run, even with the copay.
Have the exact same plan with same co-pay. Had to pay before I could be admitted :-?
Also had 1 $25 copay with my OB, even though the plan covers all maternity care 100%. Still not sure about that one, but I'm not complaining.

With my first pregnancy, we had a copay at the first visit because the doctors office refused to code it "maternity". I was so pissed because they also did my initial bloodwork and u/s and we had to pay towards our deductible. It ended up being over $300! I still don't count that appointment though, because if it had been coded maternity, it would have been covered. Even BCBS was like "they should have just coded it maternity so we would cover it all." Yeah, thanks doctor's office.

ellenrunyon · February 2014

I wish we had good insurance like the rest of you! We have spent around $7500 since we became pregnant, and we are still arguing w bcbs about another $7500 for our nicu stay. My 9 day hospital stay was 96,000 and nicu was 66,000 so I guess our crappy insurance was helpful.

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