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Insurance and Cost to have a Baby


Forum: 2008 Playroom

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  #1  
March 30th, 2011, 08:46 AM
Resi's Avatar Platinum Supermommy
Join Date: Nov 2005
Location: Indianapolis, IN
Posts: 14,588
I looked into our insurance (it's changed since having Oliver) to see the cost for having another baby this week and it's crazy! We have a $5,000 deductable and then our plan pays 80%. It would cost around $6-7k or more. After we are at $10k the plan pays 100% from what I was told. We pay around $400 for our family plan and it's the worse we have ever had. Last year we had a HRA account to cover our sick visits etc. The company did away with that. We have a HSA account but we don't have $5k to cover the deductable. Holy moly it's crazy expensive to have a baby on this insurance.

How is your health insurance when it comes to having a baby?
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  #2  
March 30th, 2011, 09:15 AM
alicia1984's Avatar Mega Super Mommy
Join Date: May 2009
Location: PA
Posts: 2,671
Well, not totally sure how much it'll cost to be honest. So far my co-pays for the prenatal visit have been covered by the hospital since I'm an employee there and that's part of our benefits for working for them. I'm keeping the same ob/gyn I had when I gave birth to Jordin which is great because she's part of the hospital system I work for. If I were to go outside of this hospital system I would be paying $30 for each prenatal visit and probably a $600 something deductible for a hospital stay.

So far I've just had to pay $54 and that was for the ultrasound. From what I understand reading my handbook all co-pays are covered. I have no deductible as long as I stay within the CHS system. Insurance has completely covered lab tests too. Not sure how much birth will cost.
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  #3  
March 30th, 2011, 10:31 AM
Sonshine1296's Avatar Platinum Supermommy
Join Date: Apr 2008
Location: Wyoming
Posts: 10,503
Our insurance has changed too so I am not sure. I will have to check and post back here. That is crazy.
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  #4  
March 30th, 2011, 10:41 AM
Platinum Supermommy
Join Date: Feb 2008
Posts: 9,490
We have a 1500 deductible and then it pays 80% after that...BUT it wont cover homebirth which is what we are having...it will cover prenatal and postpartum care with a midwife so we are still going to bill the insurance and see how much of it will be paid....but we are looking at quite a bit out of pocket. The homebirth is 3700.
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Martha
Momma to Emma, Elzie, Gretchen, Olive, and Rogan

We aren't to give a baby milk, berries, or peanut butter. We are to introduce new foods one at a time. But it's OK to inject several viruses, bacteria, aluminum, formaldehyde, phenoxyethanol, animal serum, mercury, squalene and more into an 8 week old? I don't think so.
In order to be healthy it is an unfortunate fact that people must be allowed the opportunity to be ill. I trust my body and those of my children to work correctly against the relatively benign diseases they vax for, and do not trust the ingredients in the vaccinations.
Our choice to not vax isn't based in ignorance, poverty, conspiracy theory and rumor. It's research, common sense, fact and evidence based..something the medical community has largely forgot about.
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  #5  
March 30th, 2011, 01:14 PM
Olivia&DelilahsMommy's Avatar Married to my soulmate :)
Join Date: Feb 2008
Location: Madison, MS
Posts: 11,769
Our deductible is $3000, so we pay out of pocket until we reach that, then the insurance pays 80%.
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  #6  
April 13th, 2011, 04:03 AM
~Meg's Avatar Mega Super Mommy
Join Date: Apr 2011
Location: Ohio
Posts: 1,041
We are spoiled with our insurance. I work for a major hospital in the area and as long as we use our health system then it's covered at 100% I just pay the 15$ Co-pays and I'm not even sure if I pay that or if that is covered in the "total" cost of the pregnancy. I should check on that.
If I go out out of network it's an 80/20 Plan. But those hospitals are over an hour away.
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  #7  
April 13th, 2011, 08:59 AM
AmandaR
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Posts: n/a
Liam we had Tricare Prime and so Liam was free, completely.
With Jack we had Tricare Standard, which is $25 for pregnancy. But, if you have any complications, it pays 80% but caps at $1000 a fiscal year. So for Jack, with his NICU, we paid $1000. He would have been $25 without the NICU.
With the next one we have Tricare Standard again so we're expecting less than $100 as I'm hoping we don't need any extra care or NICU.
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  #8  
April 13th, 2011, 09:51 AM
~Claudia~'s Avatar mommy to Nico & Seba
Join Date: Jan 2008
Posts: 4,229
I work for a health insurance company so I only pay $25 for the initial prenatal appointment and then a $200 hospital copayment.
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  #9  
April 14th, 2011, 08:33 AM
caren's Avatar Mega Super Mommy
Join Date: Jun 2008
Location: New York
Posts: 2,023
We have Empire Blue Cross and its pretty good. I paid the $20 copay once at the OB and once at the perinatal specialist. Then I had a few bills for balances uncovered by our insurance...maybe $100-200 total for labs, flu shot, etc.
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  #10  
April 14th, 2011, 02:23 PM
Mrs.Reesa's Avatar Mega Super Mommy
Join Date: Aug 2007
Posts: 4,193
$5 copay for Adam. $5 copay for Julia and then for some odd reason I got a bill for I think $10 for VBAC care (which i think is a rip off b/c *** did they do?!?!).
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  #11  
April 14th, 2011, 10:15 PM
doremi's Avatar Team Blue Mama of Two
Join Date: Dec 2007
Location: USA
Posts: 17,478
We have Group Health Options. If we stay in network, our deductible is $1500/per person, with 100% hospital coverage. If we go out of network, our deductible is $3000/per person with 70% hospital coverage until you hit your out of pocket maximum (7000 I think), then it switches to 100% coverage. The in-network hospital is 45 minutes away, and I would have to find a new OB. The hospital I delivered Josiah at is 15 minutes away, and I could keep my same OB, but it would be out of network. Since our other doctors are also out of network (we refused to switch to Group Health dr's for our regular dr's), we will probably stick to the out of network hospital and OB as well. Otherwise they make you meet BOTH deductibles for the year!! I hate Group Health DH is job hunting, so I'm still hopeful we'll have different insurance by the time #2 arrives.
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  #12  
April 15th, 2011, 04:53 AM
*Jack'sMommy*'s Avatar Mega Super Mommy
Join Date: Sep 2007
Location: Connecticut
Posts: 3,093
We have Anthem and I paid $20 for my first OB appointment co-pay, and then a $250 co-pay for his birth. So $270 total.

Resi, that is CRAZY! Are you sure about that?? Not doubting your comprehension skills or anything but I know how confusing insurance plans can be - did you call the company? Who would have a baby if they have to pay that much? We certainly couldn't afford that out of pocket. That is really nuts.
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  #13  
April 15th, 2011, 07:48 AM
3Sapphires's Avatar Platinum Supermommy
Join Date: Feb 2008
Location: the mountain state
Posts: 11,114
For both kids, I only had to pay my first prenatal visit co-pay I think it was $35, everything else was covered including labs, hospital stay etc. And at the time DH's employer paid 100% of the insurance premium.

Currently we have it looks like a pretty good plan, we pay 30% of the premium, and from what it looks like there is no deductible, and I only have to pay the office co-pay it is $25.00 but I am not sure if it is every time or jsut the first visit. We will cross that bridge if I ever get PG again.
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  #14  
April 15th, 2011, 10:43 AM
~Michele~'s Avatar Platinum Supermommy
Join Date: Jan 2008
Location: NJ
Posts: 6,481
$50 co-pay for the first visit (my OBGYN is considered a specialist since they are not my Primary care doctor). Then it is $100 per day in the hospital. BUT we pay $950/month for our health insurance
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  #15  
April 15th, 2011, 04:15 PM
Platinum Supermommy
Join Date: Feb 2008
Posts: 9,490
I would rather put 950/month into high interest savings account....I mean...even a hospital birth with 10-12K dollars in it...would be paid for with savings...I'm not saying you are doing it wrong (at all) just saying I think it's freaking crazy what the cost of insurance is these days....UGH
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Martha
Momma to Emma, Elzie, Gretchen, Olive, and Rogan

We aren't to give a baby milk, berries, or peanut butter. We are to introduce new foods one at a time. But it's OK to inject several viruses, bacteria, aluminum, formaldehyde, phenoxyethanol, animal serum, mercury, squalene and more into an 8 week old? I don't think so.
In order to be healthy it is an unfortunate fact that people must be allowed the opportunity to be ill. I trust my body and those of my children to work correctly against the relatively benign diseases they vax for, and do not trust the ingredients in the vaccinations.
Our choice to not vax isn't based in ignorance, poverty, conspiracy theory and rumor. It's research, common sense, fact and evidence based..something the medical community has largely forgot about.
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  #16  
April 18th, 2011, 10:48 AM
~Michele~'s Avatar Platinum Supermommy
Join Date: Jan 2008
Location: NJ
Posts: 6,481
Quote:
Originally Posted by Martha83 View Post
I would rather put 950/month into high interest savings account....I mean...even a hospital birth with 10-12K dollars in it...would be paid for with savings...I'm not saying you are doing it wrong (at all) just saying I think it's freaking crazy what the cost of insurance is these days....UGH

our health insurance has nothing to do with TTC or giving birth, that is just the cost of our insurance each month. we wanted an insurance with no deductables and no out of pocket for hospital stuff and this was the cheapest
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  #17  
April 18th, 2011, 11:31 AM
Platinum Supermommy
Join Date: Feb 2008
Posts: 9,490
Oh I know...I was just using that as a reference point since this is the TTC giving birth thread that talks about insurance....I'm just appalled at how much insurance costs...for you and for others and for myself....
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Martha
Momma to Emma, Elzie, Gretchen, Olive, and Rogan

We aren't to give a baby milk, berries, or peanut butter. We are to introduce new foods one at a time. But it's OK to inject several viruses, bacteria, aluminum, formaldehyde, phenoxyethanol, animal serum, mercury, squalene and more into an 8 week old? I don't think so.
In order to be healthy it is an unfortunate fact that people must be allowed the opportunity to be ill. I trust my body and those of my children to work correctly against the relatively benign diseases they vax for, and do not trust the ingredients in the vaccinations.
Our choice to not vax isn't based in ignorance, poverty, conspiracy theory and rumor. It's research, common sense, fact and evidence based..something the medical community has largely forgot about.
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  #18  
April 19th, 2011, 01:54 PM
Resi's Avatar Platinum Supermommy
Join Date: Nov 2005
Location: Indianapolis, IN
Posts: 14,588
Quote:
Originally Posted by *Jack'sMommy* View Post
We have Anthem and I paid $20 for my first OB appointment co-pay, and then a $250 co-pay for his birth. So $270 total.

Resi, that is CRAZY! Are you sure about that?? Not doubting your comprehension skills or anything but I know how confusing insurance plans can be - did you call the company? Who would have a baby if they have to pay that much? We certainly couldn't afford that out of pocket. That is really nuts.
It is crazy. After I looked on mycigna to find what is covered I called to confirm and it's correct. Luckly I checked into our states maternity coverage and we are just at the cut off to get it without having to pay for it. If I still worked we would be way over. So.. as long as we get approved for that it's all 100% covered while I'm pregnant. I wouldn't be able to go to my regular ob/gyn but I found a couple other great choices.

Oh and we paid close to $5k out of pocket from my pregnancy with Oliver. We had different insurance back then.
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  #19  
April 19th, 2011, 05:34 PM
~Meg's Avatar Mega Super Mommy
Join Date: Apr 2011
Location: Ohio
Posts: 1,041
Resi I also know a lot of hospitals are starting to offer discounts. At the one I work at if you pay the day of service it's 30% off. It offers a huge cut for people with huge deductibles. And even if you pay part on the day it locks in the discount.
As well as the programs your talking about. Even with insurance the extra programs that can cut the remaining balance down to nothing sometimes.
Good Luck. And remember if you are counting your family as a family of 3. While pregnant it is automatically a family of 4.
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