@Bibliobebe haha I was just about to say that my doctor takes her payments and it works like a forced savings account because the hospital makes you pay your charges within 30 days of your due date. So I paid that early on, but I'll still pay $145 at every OB appointment, but I'll get almost all of it back after we have her. I honestly don't mind it because that check we got last time was a nice surprise and went back into savings so the chunk we had just taken out felt like it was on its way back.
I know i'll pay $1,000 for my individual max out of pocket...i think my family max out of pocket is $1,500 or $2,000 so we still will have to pay some for the remainder of the year. But this delivery (vaginal or c-section or any other thing that arises) will cap out at $1,000...I have yet to have to pay for anything for prenatal care, oddly my insurance has covered everything even though i've called and asked about specific tests and they told me it would cost $300. But whatever, i'm happy for them to tell me it will cost me something and then doesn't
We are very, very fortunate to work for a local health system - so as long as I stay in network for everything - which I am! - I think it covers the majority, if not all of the prenatal and hospital charges for myself and baby. We were not as lucky when I had my daughter in 2013, with different insurance, and have thousands of dollars in medical bills between the two of us. I am very relieved that is one less thing to worry about this time!
So I just got off of the phone with my insurance and since I'm on an individual plan they don't know how it will work for childbirth. Wtf?! Basically in the beginning she said that labor and delivery would be covered 90% since I'm over my deductible already. Then went on to say that well since if I add the baby to my policy it would change the deductible and the out of pocket maximum. (Basically double what it is now) but they aren't sure how it works. I have 30 days to add her to my insurance after her birth but her bills will be billed back to her day of birth. So I asked if we could find out 100% what it is?! They're looking into it and will get back to me. Wow. I don't understand how this works.
Anyone have anthem blue cross blue who went from a single plan to a family plan when baby arrived? How was labor and delivery billed? My thought is to put the baby on my husbands and for me to charge the hospital care to mine so I only pay 10%. Since they can't confirm how it would be billed...?
I have BCBS of Texas so I'm not sure if it's exactly the same. But here was my situation with my last birth.
I am on my own individual plan through my employer. DH and and the kids are on a family plan through his employer. The premiums are much cheaper for his plan but the coverage isn't as good. All of my L&D charges and postpartum charges were billed to my insurance and we decided to add Macy to my plan since we knew she would have a lot of medical needs after birth. All of my expenses were covered at the individual rate (and covered at 100% since I had met my OOP max prior to birth) and the baby started her own deductible ($250) and her own OOP max ($1,250). That is all we ended up paying for her despite 30+ days in the NICU. So yes, adding the baby will "technically" change your deductible and OOP max but not in the sense that it will change how your charges are covered. If that makes sense. It will just start a new deductible for the baby. It's so frustrating to call and the person you talk to doesn't know a simple answer like that. But I've had to call BCBS A LOT over the years and they really just don't train people well enough. They always have to talk to a supervisor and get back to you.
Married 9/19/09 Me (32) Dx PCOS, DH (32) SA = Normal/mild morph issues TTC#5 July 2017 - 3rd cycle TTC = BFP on 11/12/17 at 9dpo Beta #1 = 96 at 13dpo - Beta #2 = 207 at 15dpo
TTC#1 starting Nov. 2009 3 rounds of Clomid + TI and 3 rounds of 7.5 mg Femara + IUI before our BFP on 11/8/10 at 12dpiui TTC #2 3rd cycle of Femara 7.5mg+Ovidrel+TI = 4 follies = BFP on 10/12/12 TTC#3 July 2014 - Metformin +TI = BFP at 9dpo - Twins, one baby lost at 5.5 weeks Macy Annabelle born at 37w4d on 4/29/15. Diagnosed with Cri du Chat and passed away on 6/6/15. Forever in our hearts. TTC#4 3rd cycle of Metformin + Femara 7.5mg+Ovidrel+TI = 3 follies = BFP on 12/24/16
I specifically chose my plan because of the difference in pregnancy, and delivery coverage.
@rock1cherry I would look into the costs specifically before making a decision. My work is a non-profit, and they only contribute towards the premium for the employee, most companies are bit more generous than this. Whichever plan you pick your kid will have until open enrollment. If it is in December than it isn't the end of the world if you don't like your decision, but if your open enrollment is at a different time (eg. mine is in July) then you could have a plan you don't like like for the baby for a while.
@Jillybear82 my DH and I have the exact same plan - we work for the same company. But the family plan didn't make sense for only two people as the OOP was more than double the single plans. Plus we could each have an HSA. We are both almost at the same spend for the year although I've hit my deductible and he hasn't yet. Open enrollment is sometime in the coming months and the new plans start in January so I'm not too concerned for three months. Once open enrollment comes, we will go on a family plan as the three of us for next year.
Im going to call BCBS again and see if anyone has more information or if they can provide me pricing etc. The person I spoke with the other day was not helpful and did not know the answers to my questions. Even when she asked someone else. So I will try again and see if the next person has more knowledge on this topic.
Im hoping my bills will be processed on my individual plan as @Sarafuss mentioned - I figured the labor and delivery should apply to me not to the baby, but that's unclear. Fingers crossed I can get some answers!
I picked $0 but actually I will pay $80, couldn't change my vote.
$20 for first visit for my OB to confirm that I'm pregnant, with a $1 test.
$20 for my genetic counseling copay.
$20 for my work's disability paperwork.
$20 for state disability paperwork.
All other costs are covered 100% despite my insurance continuously trying to bill me for blood work.
I'm a little irritated by the costs of filling out paperwork but I knew about it before I signed up with my OB and figured it was peanuts to have a good doctor.
First baby was $0 OOP, had super amazing insurance. Added up the total bills just for delivery, would have been $13k plus all the bloodwork/appts/ultrasounds before hand (another $5k easily) This time, slightly different insurance but still amazing. Admittance fee for L&D will be about $200 and everything else has been & will be covered for free. Sometimes I think my Dr. is milking my "great all-inclusive" insurance, I have had way too many ultrasounds and way too much bloodwork drawn.
edited to say we pay about $6k/yr for employer-sponsored family health care coverage, so it's not super cheap...
+ 6/1/11, due 2/12/12. natural m/c @ 8wks + 9/3/11, due May 2012. overdue baby born healthy!
+ 8/3/15, natural m/c @ 5wks
+ 1/4/16, due 9/14/16
My overall hospital bill was around $40,000, not including prenatal care. I had a c-section and the doctor's bill for that alone was $8k. The insurance only reimbursed around $11k based on negotiated rates.
Just got a bill from the hospital. The bill is saying that we owe for my first U/S that was done at 18 weeks. Bill says insurance didn't even pay 10% of the cost. I call BS because when I talked to my insurance agent in the beginning I was told that my plan covered one U/S FULLY and covered any other "medically necessary" U/S partially.
I've only had one U/S so heck no insurance didn't just cover 10% of that, you weirdos. Calling my insurance company tomorrow to verify. So far I've had to do this 3 times with other bills and every time the insurance company is basically shaking their heads and saying "That wasn't billed correctly." AGH.
Just got a bill from the hospital. The bill is saying that we owe for my first U/S that was done at 18 weeks. Bill says insurance didn't even pay 10% of the cost. I call BS because when I talked to my insurance agent in the beginning I was told that my plan covered one U/S FULLY and covered any other "medically necessary" U/S partially.
I've only had one U/S so heck no insurance didn't just cover 10% of that, you weirdos. Calling my insurance company tomorrow to verify. So far I've had to do this 3 times with other bills and every time the insurance company is basically shaking their heads and saying "That wasn't billed correctly." AGH.
I had that issue last pregnancy because the microbiologist kept trying to tack on some sort of consultation fee to my lab work that my insurance kept denying. The microbiologist never sent me a bill but I kept getting denial of coverage from my insurance payer. This was for lab work ordered by my ob and performed at the hospital I delivered at, the sister hospital of my hospital. Our insurance is self-funded so basically it's my own employer denying me coverage. So frustrating.
I have a Blue Cross Blue Shield HMO plan. In 2013 when I had my son the total cost of my hospital stay, c section, drugs, son's hospital stay, and circumcision was around $42,000. Luckily I have an HMO so anything a doctor says is necessary I don't pay for. Needless to say I paid a whopping $10 on my $42,000 bill.
However, I do pay a hell of a lot of money every month for this insurance. My husband, son, and I are on a family plan (which is through my work) and they take $300 out of every paycheck--ends up being about $7200 per year. Luckily adding baby to the plan won't cost anything extra because the "family" plan is already in place.
Married my best friend 03/2012 BFP#1 06/2012 ----Luke John born 03/2013 BFP#2 06/2014 ----MMC 8w4d D&C 07/2014 BFP#3 10/2014 ----Chemical BFP#4 01/2016 ----Due 09/10/2016
I keep seeing people say "take all the supplies you can from your hospital room!!" but then also say "your hospital will bill you for everything, so take your own Tylenol, etc. so you don't get billed $80 for it."
Has anyone taken hospital supplies like pads, etc. from your room, and did you receive a bill for it?
@nativetexan512 most supplies that have been in your room you will be charged for anyways so you might as well take them with you if you didn't use them. When they clean the rooms pretty much everything must go because they don't know who touched what or if it's still clean.
@nativetexan512 I'm fairly certain my hospital bill wasn't itemized. It was pretty much a flat daily stay. Granted there were extra bills from the pediatrician that saw DD, the anesthesiologist, the OB, and an extra bill for the day DD was in the hospital because of her jaundice after I'd been admitted (that bill was addressed to Baby Girl "Our last name"). Either way, I know we were encouraged to take everything with us by the nurses because we were already charged for it.
My deductible is $13,000. I was laid off right before I found out I was preggo, lost our insurance. Hubby's work is $1400 a month so we went with marketplace. Screw it...whatever. They will get payments gradually!
Re: POLL: How much will your preg./delivery cost you
back after we have her. I honestly don't mind it because that check we got last time was a nice surprise and went back into savings so the chunk we had just taken out felt like it was on its way back.
I am on my own individual plan through my employer. DH and and the kids are on a family plan through his employer. The premiums are much cheaper for his plan but the coverage isn't as good. All of my L&D charges and postpartum charges were billed to my insurance and we decided to add Macy to my plan since we knew she would have a lot of medical needs after birth. All of my expenses were covered at the individual rate (and covered at 100% since I had met my OOP max prior to birth) and the baby started her own deductible ($250) and her own OOP max ($1,250). That is all we ended up paying for her despite 30+ days in the NICU. So yes, adding the baby will "technically" change your deductible and OOP max but not in the sense that it will change how your charges are covered. If that makes sense. It will just start a new deductible for the baby. It's so frustrating to call and the person you talk to doesn't know a simple answer like that. But I've had to call BCBS A LOT over the years and they really just don't train people well enough. They always have to talk to a supervisor and get back to you.
Me (32) Dx PCOS, DH (32) SA = Normal/mild morph issues
TTC#5 July 2017 - 3rd cycle TTC = BFP on 11/12/17 at 9dpo Beta #1 = 96 at 13dpo - Beta #2 = 207 at 15dpo
3 rounds of Clomid + TI and 3 rounds of 7.5 mg Femara + IUI before our BFP on 11/8/10 at 12dpiui
TTC #2 3rd cycle of Femara 7.5mg+Ovidrel+TI = 4 follies = BFP on 10/12/12
TTC#3 July 2014 - Metformin +TI = BFP at 9dpo - Twins, one baby lost at 5.5 weeks
Macy Annabelle born at 37w4d on 4/29/15. Diagnosed with Cri du Chat and passed away on 6/6/15. Forever in our hearts.
TTC#4 3rd cycle of Metformin + Femara 7.5mg+Ovidrel+TI = 3 follies = BFP on 12/24/16
@rock1cherry I would look into the costs specifically before making a decision. My work is a non-profit, and they only contribute towards the premium for the employee, most companies are bit more generous than this. Whichever plan you pick your kid will have until open enrollment. If it is in December than it isn't the end of the world if you don't like your decision, but if your open enrollment is at a different time (eg. mine is in July) then you could have a plan you don't like like for the baby for a while.
Im going to call BCBS again and see if anyone has more information or if they can provide me pricing etc. The person I spoke with the other day was not helpful and did not know the answers to my questions. Even when she asked someone else. So I will try again and see if the next person has more knowledge on this topic.
Im hoping my bills will be processed on my individual plan as @Sarafuss mentioned - I figured the labor and delivery should apply to me not to the baby, but that's unclear. Fingers crossed I can get some answers!
$20 for first visit for my OB to confirm that I'm pregnant, with a $1 test.
$20 for my genetic counseling copay.
$20 for my work's disability paperwork.
$20 for state disability paperwork.
All other costs are covered 100% despite my insurance continuously trying to bill me for blood work.
I'm a little irritated by the costs of filling out paperwork but I knew about it before I signed up with my OB and figured it was peanuts to have a good doctor.
November Siggy Challenge: Selfie Fails
Hidden for the sake of your eyes!
edited to say we pay about $6k/yr for employer-sponsored family health care coverage, so it's not super cheap...
+ 9/3/11, due May 2012. overdue baby born healthy!
+ 8/3/15, natural m/c @ 5wks
+ 1/4/16, due 9/14/16
November Siggy Challenge: Selfie Fails
Hidden for the sake of your eyes!
I've only had one U/S so heck no insurance didn't just cover 10% of that, you weirdos. Calling my insurance company tomorrow to verify. So far I've had to do this 3 times with other bills and every time the insurance company is basically shaking their heads and saying "That wasn't billed correctly." AGH.
Good luck with your call tomorrow.
November Siggy Challenge: Selfie Fails
Hidden for the sake of your eyes!
However, I do pay a hell of a lot of money every month for this insurance. My husband, son, and I are on a family plan (which is through my work) and they take $300 out of every paycheck--ends up being about $7200 per year. Luckily adding baby to the plan won't cost anything extra because the "family" plan is already in place.
BFP#1 06/2012 ----Luke John born 03/2013
BFP#2 06/2014 ----MMC 8w4d D&C 07/2014
BFP#3 10/2014 ----Chemical
BFP#4 01/2016 ----Due 09/10/2016
Maybe a dumb question...
I keep seeing people say "take all the supplies you can from your hospital room!!" but then also say "your hospital will bill you for everything, so take your own Tylenol, etc. so you don't get billed $80 for it."
Has anyone taken hospital supplies like pads, etc. from your room, and did you receive a bill for it?