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I think I will end up paying about $2,000 out of pocket for my OB care and then my hospital charges will be 100% covered if I deliver at the hospital that I work at. Unfortunately we don't have a NICU at our facility (the nearest one is about 20 minutes away) so I will only deliver there if I make it to term and everything looks good with the baby. If there is any inkling that something is wrong or if I go into labor before 37 weeks then I will deliver at the facility that has the NICU. That will be more expensive... probably an additional $3,500 out of pocket (that's with insurance!).
Our insurance's maternity deductible is $7,500 per baby, so our portion is $15,000. Thankfully, we qualify for a state pay-down program. We will pay $2,500 (almost fully paid! Yay!), and then this program pays the difference between the two deductibles.
If she comes prior to August 1, we have a HSA so we'll pay our $5000 deductible, less whatever we've spent already on healthcare costs this year. If she arrives after August 1, we'll be on hubby's new insurance from his new work - we'll be out of network, but the out of pocket max is less than our HSA.
This is my first so I'm not for sure, but according to my insurance document through work it looks like my portion will be around $2,540.....but $2,540 that is well worth it to have my baby in my arms!
- Mommy to Eric 7/30/13, 7 lb 11 oz, and 21 inches long.
I think $4,000, plus $800 if I get a doula. The $4000 is my deductible through my work insurance (Blue Cross and Blue Shield). Pain in the butt. Last time I had state insurance and it was all free. But my boyfriend has a good job and works very hard ... kinda stinks that sometime I wish he didn't make so much. The whole system is crap.