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Paying for Baby


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  #1  
November 29th, 2011, 03:52 PM
Mega Super Mommy
Join Date: Oct 2011
Posts: 1,147
At my appointment last week, I met with the finance lady to talk about my insurance and the cost of the pregnancy. I forget what the total was before vs after insurance, but I have to start making payments at my next appt. I will pay $142 a month from here on out. It seemed weird to me to be making payments on my baby. With DS#1, I got pregnant before we were married and I had been on my parents' insurance, so I was left uninsured so I got a medical card and everything until after he was born was free. With DS#2, I was on DH's insurance, but I know I didn't make payments on him! I guess this is better than being stuck with a big bill after we get home though.

Is anyone else on a baby payment plan?
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  #2  
November 29th, 2011, 04:00 PM
WoahMama83's Avatar Veteran
Join Date: Jun 2011
Location: Middle Georgia
Posts: 459
I was with my oldest. I think it was $700 due before 30 weeks thankfully the deductible was met before delivery so insurance paid the rest. With my second it was the same but I had regular insurance plus state so I never paid and I'm thankful for that because his bill alone was 17k.
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  #3  
November 29th, 2011, 04:03 PM
LindseyE117's Avatar Wookie's Girl
Join Date: May 2009
Location: Texas
Posts: 3,741
Well I have no insurance, and ours was going to be $7k to be paid in full by the time we delivered. That was for appointments and hospital stay, no extras. I freaked! I exhausted all of my options looking for something else, to no avail. I cannot even get put on hubby's plan until March, so until then I see if I can get any discount possible being a cash patient. I also pray nothing serious happens until then too, because I cannot afford an ER visit.

Anyway, it would have came out to $900 down payment and $900 a month until delivery. Insane!!
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  #4  
November 29th, 2011, 04:31 PM
Super Mommy
Join Date: Sep 2011
Posts: 629
I honestly think it's wrong to make someone make payments like that during pregnancy. What are they going to do? Not treat you? The medical world sucks and they are all greedy butt heads. I'm thankful my deductible is only $250 and once that is satisfied they cover 100%. I also qualify for state assistance even though I didn't want to go that route, but probably will. I guess being single has it's advantages at times.
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  #5  
November 29th, 2011, 05:36 PM
Celry's Avatar Platinum Supermommy
Join Date: Nov 2007
Location: WI
Posts: 12,946
No actual payment plan, but I'll be getting a direct bill for everything until I reach our huge out of pocket deductible. Anything this year doesn't go toward that since it starts over on 2012.
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  #6  
November 29th, 2011, 05:41 PM
Veteran
Join Date: May 2011
Posts: 364
Yep, the 20% my insurance doesn't cover is like $554 to be paid by the 6th month of pregnancy, so I pay (starting at today's appt) $110 an appointment. Lame! With DD everything was covered but I was on an HMO (I never minded).
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  #7  
November 29th, 2011, 05:55 PM
Mega Super Mommy
Join Date: Oct 2011
Posts: 1,147
Quote:
Originally Posted by MaryG75 View Post
I honestly think it's wrong to make someone make payments like that during pregnancy. What are they going to do? Not treat you?
No, it's not that, bc it's a "package deal" that isn't actually sent to insurance until after deliver. I was actually glad that we're doing it that way, bc DS#1 has been in the hospital the past two winters with pneumonia plus had his tonsils out this summer, and DH was in the hospital and rehab after a motorcycle wreck last summer. It's not fun to get a giant bill after a hospital stay, so I'm glad that I'm doing it now instead of later. She asked me if $142 would work for me and told me that if I ever can't make that payment to just ask to see her. I just thought making payments on my baby was kind of funny.
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  #8  
November 30th, 2011, 07:58 AM
Amazona's Avatar Platinum Supermommy
Join Date: May 2009
Location: Montreal, Qc
Posts: 8,643
Pregnancy is the one thing that really amazes me about how badly it is handled in the US.
SERIOUSLY!

For one, Im glad Im in Canada we never have to pay for medical attention (well, its paid with taxes I guess).
But in Argentina, where Im from, of course you need insurance but every single insurance (even the most basic and cheap) cover 100% for pregnancy and 3 months paid maternity leave.
And Im talking an emerging country, with LOTS of corruption problems, high taxes, bad public health (thats why you need insurance, though technically you shouldnt need it) and yet, they have WAY better care for pregnant women than the US.
They even get 5-10 u/s for free during pregnancy.

Anyways, I am so, so sorry you are treated this way ladies. Its just not right and it makes me mad

hugs to you all
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  #9  
November 30th, 2011, 08:05 AM
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Join Date: Jul 2011
Location: Delaware (the state!)
Posts: 7,344
Paola, you are so right! The US has one of the worst healthcare/insurance systems out there considering we are a leading nation, but it is what it is and we all have to suck it up - I hate it!!

With DD, I had to make payments, not set ones though, they just said pay what you can when you can, just had to be paid before delivery. I haven't had that talk yet, guess they do that once you hit the 2nd trimester. But, I have already hit my deductible and it would have been awesome, because my deductible goes from July 1 to June 30, but because of the company change, our insurance is changing and the deductible starts over in January, is higher, but, once I reach it they pay 100%, as opposed to now they pay 90%. I am really nervous about these bills, because I will be paying $3k out of pocket for the deductible...that is a lot! My deductible now is only $500...I need a raise to balance that out - lol! I already have some medical bills from my loss and I had to have an MRI a couple of months ago, luckily that is only $50, but my PT before that, the bill is over $500 - it just keeps adding up! ARGH!
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  #10  
November 30th, 2011, 08:12 AM
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Join Date: Jan 2007
Posts: 7,904
Our insurance stinks... I will have to pay our 2000 dollar deductible and then 20%

My husbands company will reimburse 1000 dollars. I think in the end we will be out about 1200...
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  #11  
November 30th, 2011, 02:26 PM
Mega Super Mommy
Join Date: Sep 2007
Location: Texas
Posts: 1,501
Private insurance companies in this country are raking in the big dough, that's for sure. A public option is the only thing that's gonna force their prices down. When I first graduated from college about 15 years ago, I paid $70/month for insurance that covered almost everything. Nowadays individual insurance runs over $300/month with much higher deductibles and less benefits. It's outrageous!

Anyway, with my good insurance I still had a $1000 deductible for my last pregnancy, and I figured that would be it..... Until I found out that it was $1000 for me and $1000 for my baby! So we paid about $2K for it - most of it billed after the birth.

Luckily DH works for the government now and has good health insurance and I'm on his as well as my own from my work, so I'm hoping that between the two policies they'll cover it all. They better!!
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  #12  
November 30th, 2011, 03:11 PM
Preggo Foster Momma!
Join Date: Feb 2011
Location: Seattle
Posts: 1,333
My insurance covers 90%. Before Obama care happened it was 100%.

The clinic does payment plans as a courtesy. It's a lot easier for me to pay $40.00 a month and know what's up in advance then have one big bill when baby comes.

Global billing is what the "package deal" is called.
I used to do billing and coding.
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  #13  
November 30th, 2011, 03:21 PM
ashbbrunton's Avatar Mega Super Mommy
Join Date: Oct 2008
Location: Lafayette, IN
Posts: 2,202
I'm presonally glad we get that bal ance taken care of before baby comes. That is just one more bill that I don't have to worry about while adjusting and settling into a new routine. We have to pay a $400 deductible and then 10% so I think our total was going to be like $600. We choose to make three payments that are to be made by delivery, but we could have pd monthly if we wanted.
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  #14  
November 30th, 2011, 04:20 PM
MoMMy2*Vicky.Hayd.and.K*'s Avatar Expecting #4 :)
Join Date: Dec 2009
Location: Montreal, Qc, Canada
Posts: 4,895
Quote:
Originally Posted by Amazona View Post
Pregnancy is the one thing that really amazes me about how badly it is handled in the US.
SERIOUSLY!

For one, Im glad Im in Canada we never have to pay for medical attention (well, its paid with taxes I guess).
But in Argentina, where Im from, of course you need insurance but every single insurance (even the most basic and cheap) cover 100% for pregnancy and 3 months paid maternity leave.
And Im talking an emerging country, with LOTS of corruption problems, high taxes, bad public health (thats why you need insurance, though technically you shouldnt need it) and yet, they have WAY better care for pregnant women than the US.
They even get 5-10 u/s for free during pregnancy.

Anyways, I am so, so sorry you are treated this way ladies. Its just not right and it makes me mad

hugs to you all
Ouff yah! Happy I don't pay anything except if I request a private room... All rooms are private now anyways but I request and will pay for the one that gives hubby a bed too and not just a little kot. And our room has our own bathroom/shower. Also u ladies don't get much of a mat leave where we get 1 full year paid!!! Mind u u get from 93% down to 50% at some point but u still get money... And u can take a second year not paid without losing ur position if u really want! 6 or 8 weeks is just not enough
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