Which insurance is better for having baby??

Question

Before we conceive my husband & I are trying to figure out which insurance would be better. My deductible is $1000 & his deductible is $250. What does this mean and who's is the best? Also after deductible my ins pays 80% & his pays 85%.
Also we are wondering how much is the OB dr bill & how then how much is the hospital bill for delivery, anesthesia, epidural, etc.? Can you tell me how much you had to pay for both...I would like to know how much you had to pay after insurance. Any additional information is also great...thanks!

Answer 1

His insurance is going to be the best for you to use. But if you already covered under both. You should have no out of pocket expenses. I had my last child 3 years ago. C-Section. Total for every thing was $3800.00 But it depends on where you live. We live in Southern CA. My sister in law had a baby about 18 months ago, also C-Section total was $4100.00. She lives in Arizona. You are probably going to have to check around in your area. Ask people you know or work with.

Answer 2

A deductible is the amount you have to pay before the insurance company will cover any bills. It is paid once a year. So once you pay your $250 the insurance company pays 85% of the bill. I remember my hospital say was around 10,000 before insurance but there were complications so that amount might be somewhat high. You will have to see the OB more towards the end of the pregnancy. Plan on blood tests and sonograms.

Some insurances have an out of pocket maximum. That is an amount that no matter what in one calendar year you will never have to pay more then that out of you own pocket. It might be worth looking into to see if either of the insurances offer that. If you are covered under both insurances than you can use both insurances and cut your costs way down. You should inform the insurance companies when you are pregnant. When the baby is born they need to know to add the baby to the plan because then they become a whole new family member.

Answer 3

You can call the hospital billing office where you want to give birth, and they can tell you how much each of these costs.

Having other people tell you what they paid is useless - I'll explain why in a minute.

The deductible is the amount you have to pay, BEFORE the insurance kicks in. His insurance pays more.

Now, why what other people paid is useless - my first birth, a "normal" delivery - with epidural, cost me about $350. My second, a c-section with different insurance, cost me $25 including prenatal care. That's why it doesn't matter. A "normal" birth in a hospital with regular intervention (iv & epidural) will usually run around $10,000 if there are no complications. A midwife with home birth usually runs around $2500.

If you go to a hospital, you are more likely to have "complications" and be pressured into a C-section. 30% of births in hospitals are c-sections. The more you let them do, the more likely they are to do something to "stress the baby", and then they will tell you they "need" to do the c for the sake of the baby.

I severely regret letting them *induce* labor for my second pregnancy, it CREATED the need for the csection, and the recovery was AWFUL.

JMHO, but been there, done that. Oh, AND I'm an agent.

Answer 4

If both of you are on the same plan - which ever one of you has the first birthday in the year, regardless of who is older, holds the primary insurance. (If your birthday is January and his is June, your plan is primary.)

Deductible is the amount you have to pay out of pocket on charges before the insurance will pick up a dime. The lower, the better. Based on the information you have provided - his plan is better.

Generally, the hospital charges to give birth are in the neighborhood of $12000 assuming all goes well - that does NOT include anesthesias/epidural, or any doctor fees - including that of any pediatrician who sees the baby while in the nursery. That is all additional and based on the individual doctor/practice. If there's any kind of complications, the total cost goes up.

Answer 5

for having baby?
why you no talk good?