So I know this will really vary depending on insurance, and lots of things, but I'm seriously in the dark about how much this might cost. Anyone care to share? And if they have decent, or not so good insurance with that.
My insurance says it is $35 for the physician, deductible waived, 10% after 200 copay for facilities, after deductible. But I don't know what that means in the grand scheme of things.
I'm extra focused on money lately since I learned my mat leave will be unpaid, and vaguely adding up costs in my head. Yikes!
Re: Delivery Costs?
P.S. - most insurance companies have an online portal you can register for and have a "cost estimator" tool where you can type in a procedure or service and they will give you the average cost. For example, just regular vaginal delivery in my area has an average of $8-12k price tag without the anesthesia and all the other services that women normally get.
HSG - All clear, ectopic kidney didn't affect uterus (yay!)
CT Adrenal Scan - no tumors!
SA - sperm count excellent, 2% Morphology
March/April IUI scheduled - surprise BFP w/ help of Progesterone - 3/18/2016
Beta #1 @ 11dpo - 45.7 #2 @ 14dpo - 163 #3 @ 18dpo - 997 #4 @ 21dpo - 3799
EDD 12/1 based on O, 11/28 per Ob/Gyn (but he's wrong lol).
*TEAM BLUE!*
Make a pregnancy ticker
Here is what I have experienced - OB usually should give you a "Global cost breakdown" close to the beginning. This is what they charge and what your insurance covers etc. My dr charges 3650 for everything. I have extremely good insurance so we have already met our family deductible of $700 this year so I only owe 20%. Since our insurance has contracted a lower cost (meaning the insruance agrees that a vaginal delivery should only cost x) I only pay $224 for the OB.
Going off last time, the cost for my hospital stay was 450, again, its 20% of whatever number the hospital comes up with, and my sons stay and dr was about 100.
I expect it to be similar again. The main benifit that we have a december moms is that many of us will meet our deductible during the year before baby is born, but it really means you are still paying it somewhere.
It seems like you have very good insurance so you could be paying only 10% of charges after you pay 200. At least for the hospital. Meaning if you hospital cost is $2000, you pay $200, then you pay 10% of the remaining 1800, so 380 total.
Pretty good deal
Married to DH 10.29.11
DD born 1.26.13
DS born 6.12.14
#3 due 12.6.16
TTC since June 2015
September Football Siggy
My insurance has since changed and is now $500 deductible for me (for all prenatal and delivery), plus 5% for anything beyond that. No additional deductible this time for the baby. It will likely cost a bit more this time since I'm not covered 100% after deductible.
Many OB's office ran my insurance benefits and had an estimated charge (assuming no complications) which was super helpful. They then had a payment plan through my whole pregnancy so by the time my daughter was born, I didn't owe anything else. You can always ask your OB's billing dept if they do something similar!
Its also good to hear it seems I have good insurance! Ha, I'm not a doctor person. I went once last year for an annual, and had one urgent care visit for shingles. The year before I don't think I went at all. It's paid by my employer, but exspensive to add a child, so baby will go on DH's.
Formerly known as Kate08young
August '18 Siggy April Showers:
Married: 7/22/14
Baby L: 8/4/2015 August 2015 Moms
Baby E: 11/18/2016 December 2016 Moms
TTC #3 08/2017 BFP 11/27/2017.
Twin B lost 11/22/2017, Twin A doing well.
We paid $9k to have DS. We'll pay more this birth. We had to meet our family OOP Max since he stayed in the NICU a while.
This is time there will be two babies, but I think my family OOP max is $10k.
G born 10/25/12 | H born 3/25/14
TTC#3 since 7/2015
Early loss 12/2015 most likely due to low progesterone
Began medicated cycles (Femara/Ovidrel/Endometrin) with TI 1/2016
BFP 3/22, EDD 12/4/16 ~ It's a GIRL!
Having babies is expensive!
BFP1 04/24/2015 EDD Dec 2015 MMC 10W5d;
BFP 2 09/25/2015 EDD June 2016 MMC 9wks;
BFP 3 03/22/2016 EDD Dec 6th 2016
It does have a chart for Having a baby: normal delivery - and it estimates out of pocket cost to be $7K plan pays, and $4K patient pays. Obviously, that varies by hospital cost, etc.
But, I do know that my information says that Prenatal Office Visits - Plan pays 100% (no charge) In Network (no deductible).
Delivery and all inpatient services - 30% coinsurance
For Hospital services/post natal - You pay 30% allowed amount after deductible is met. (Deductible is $3K for in-network).
TTC Since: November 2015
BFP: March 31, 2016
DS: November 21, 2016
-1st prenatal visit copay $30; after that any prenatal visits are covered 100%.
-Pre-authorization is needed for any kind of birth, but the doctor takes care of that.
-100% coverage for infant visits-Well Baby Program
-100% coverage for 2 ultrasounds or any X-Rays; any extras may require copay if not medically necessary
-In-network hospital stays: 100% coverage, but extras like an epidural will require a copay.
-Free breastpump and materials available through Care Centric
-If you're part of a group plan at work be sure to inform HR when baby is born so they can add him or her to the policy
I hope this helps someone!
We didn't pay anything for prenatal visits, but ended up paying around 5K for L&D and LO's care. I had a c section though. We had 3 separate bills BTW. So don't get excited when the first bill arrives and you think, "that's not so bad" lol
We're thinking of changing to a lower deductible plan, but will have to run the numbers and see if things will be a bit cheaper with a lower deductible plan as with the lower ded. plans once the family OOP is met then there's a 20% co-pay. When I ran the numbers before, with a healthy baby, ithe birth would be cheapest on the highest deductible plan, but what if there are complications??? So frustrating and scary, especially since DH and I just paid off all our debt about two months ago.