Well I just found out that it will cost me at least $2500 to have my baby, but it could cost over $7000. (Details on my 360 page).
How much did it cost you (out of your pocket) to have your baby?
Anyone else find this a bit insane or is it just me?
I was going to have 2-3 but I'm a bit concerned if I can even afford to deliver this one. I didn't think it would be cheap but I've just learned about afew sneeky things my insurance company is doing...such as trying to charge me 2 deductables b/c I'm pregnant in 2006 and due in 2007 =)
Just wondering what your story is...
2006-08-17 05:43:47 · 29 answers · asked by Corn_Flake 6 in Pregnancy & Parenting ➔ Pregnancy
Yes, CornFlakeGirl as Tori Amos =)
I have United Health Care. So far, I'm not impressed but it's what my company offers and it's practically free (like $30/month or something silly)
2006-08-17 05:50:45 · update #1
Does anyone know how long the hospital will give you to pay it off?
My doctor wants his $1750 cut before 7 months...but I'm hoping the hospital will work with me.
I don't want this as a "Shock" when I go into labor and get stuck with a 10k bill =P
2006-08-17 05:56:32 · update #2
Well, my first I was on Medicaid(hubby was laid off) so I didn't pay anything out of pocket. My second I had a $200 copay. Have you looked into midwives at a birthing center?? With my next I am using a midwife & it's only gonna cost me $2500 give or take a little. Seems like a waste to eevn have insurance to me. Good luck!
2006-08-17 06:11:23 · answer #1 · answered by mamabens 3 · 0⤊ 0⤋
some insurance do not cover maternity at all like the one I had when I was pregnant. It cost me 4000 (including hospital charges) to have my baby in Florida but your insurance can't charge you two deductibles. Normally with insurance companies the doctor's offices bill for total OB care which is one lump sum not on a month to month basis. Then once you have the baby and any additional charges come up like a emergency cesaeren then the hospital bills them for the difference then the insurance can pay a portion( for example your coinsurance is 70%/30%) the insurance pays 70% and your responsible for the balance or they apply towards your deductible. Either way everything is always negotiable you can ask your doctor for a discount explian your situation to him or you can ask for an appeal with your insurance company depending on what their exclusions and pre- existing policy look over you policy first before you call to see what kind of leverage that you may have over them.
2006-08-17 06:03:18 · answer #2 · answered by divine diva 2 · 0⤊ 0⤋
My kids were both over $20,000. This was because my first was an emergency cesarean--dragged me into the OR before I had a chance to think and before all vitals on the baby were gone. However, because of insurance, I didn't pay more for that delivery than I would a traditional one. My second was a better planned c-section but still not exactly par for the course.
If it's a real struggle, check with the state. The income requirements for medicade are different if you are pregnant and may help defray these extra costs.
2006-08-17 05:52:02 · answer #3 · answered by BeamMeUpMom 3 · 1⤊ 0⤋
We have UHC and all prenatal was about $300. We paid that little by little at each visit and since we had such a easy pregnancy we were reimbursed $100.
I had a private room, an epidural, and stayed for 3 nights and the bill in the end was $500.
2006-08-17 06:04:17 · answer #4 · answered by momoftwo 7 · 0⤊ 0⤋
I also have United Health Care. My OB charged $10,000 for my twin pregnancy. About $5000 was covered (they allowed 70% of $7,500 - I'm not good at math). On top of that, I was charged for three amnios (two amnios at 16 weeks and one amnio to test lung maturity). I also had non stress tests once a week for 10 weeks. Finally, I was in the hospital for several weeks so each time the OB visited, I was charged. So, all of those visits plus the general charge meant out of pocket costs of about $7,000. On top of that, I had a private room and that was about $1000 out of pocket.
Luckily, the dozens of sonograms I had were covered in full.
If possible, try to find an OB that takes your insurance!
2006-08-17 05:54:42 · answer #5 · answered by Hilary 2 · 1⤊ 0⤋
Cost me $250 but that was 37 years ago.Today is a whole lot more but insurance covers most of it..Unfortunately they only let you stay in the hospital 1 or 2 days max..My wife stayed 5 years ago
2006-08-17 05:50:51 · answer #6 · answered by dwh12345 5 · 0⤊ 0⤋
I paid $80 for birthing classes but insurance reimbursed $40. Doctor visits cost one co-pay of $20. The delivery was covered my insurance and I had to pay about $250 for stuff not covered by insurance. Not too bad, really, if you're insured.
2006-08-17 05:50:05 · answer #7 · answered by Anonymous · 0⤊ 0⤋
Thank GOD my two kids were free otherwise it would have been about 2500, but even more if I didnt have insurance cover all of it for me (HUSKY A), and I wouldnt have been able to get the epidural if I had to pay all that out of my pocket to begin with. IT is ridiculous how much it is to have a baby.
2006-08-17 05:51:36 · answer #8 · answered by jecruz@sbcglobal.net 2 · 0⤊ 0⤋
My son was born a little over 3 months ago, by cesearean,and it was a fairly problem free birth.The bill is right at 10 grand.
Insurance pays 80% after the deductable is met, so it is costing us right around $ 2,500 bux.
Money well spent, he is a living doll.
2006-08-17 05:48:38 · answer #9 · answered by hott.dawg™ 6 · 1⤊ 0⤋
I live in Canada and it doesnt cost anything.. I think that it is really horrible that you guys pay so much for health care. Im really sorry about your situation. The only thing I can suggest is to come to canada to have your baby.
I hope everything works out
Good Luck!
2006-08-17 06:26:20 · answer #10 · answered by fleurgerbera 1 · 1⤊ 0⤋