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UGH! So the other day I got a breakdown thing in the mail showing the cost of our hospital visit/delivery yada yada yada... it was for $16,978... I was a bit excited because I was like "Heck yea, insurance rocks" WELL apparently our insurance only covers 80% and we are responsible for 20% and today I got the bill... for $3,917!!! I'm freaking out. They want it paid by Sept 22nd... there is, however a number for payment plans "if you qualify". Anyone else have sucky insurance??? I know I should be grateful for what we do have but I just feel like we got the shaft...
ADDING... it's nice people can file for state help and have things like this covered completely. Would have been so nice if I were so lucky to qualify for that.... UGH I'm in a really pissy mood today and this just set me over...
Last edited by aubers68; September 4th, 2012 at 02:58 PM.
you should only have to pay 20% of the "approved reasonable and customary charges" and for a birth, that sounds really high. i paid 20% for my c-section and it was only $1400, and that's in a big urban city....can't remember if you were vaginal or c-section but you should perhaps call and make sure that's a final amount. it seems really high with 80/20 insurance.
Me (34), Hubby (42), DS (2 years) - and baby DD (born on 7.24)!
Last edited by 20ghanover; September 4th, 2012 at 04:07 PM.
DH called the insurance and they explained everything... basically we just have crummy insurance
20% is actually $2192 of the hospital/delivery charges... but then we have an automatic $225 hospital co pay and a $1500 deductible. Which adding those makes the $3917 we owe..... LAME
One thing we're not understanding... which he didn't think of while on the phone with the insurance company... we don't understand how our deductible wasn't made by the DR charges... I really don't understand insurance stuff so DH is taking care of it all
The deductible is most likely out of pocket costs before the insurance 80/20 kicks in. My old insurance sucked like that so I quickly changed to dh's asap. Our bill was that high too but thankfully our out of pocket cost is only $200. I'm still waiting on the bills from the actual doctors though. I know that's usually separate. Sorry you have to pay so much.
❤ Big Thanks to Vicki, trishosaurus, & Shortcake for the great siggies of my kids! ❤
Liz (36) Kev (35)
Tiana (16) Doni (14) Lil Kev (8) Ethan 7/23/12 Lil Roo 10/29/11
My insurance is thru hubbys work, we have bcbsga and ive had to cover probably $3500 myself also. It doubly sucks coming from the UK with our beloved national health service! I Feel for you, and share your pain!
I've always used medicaid as a supplemental insurance since we are low income. This time I was blessed to have midwives who take payments. Just for the record: My home birth costs $3500. That includes prenatal care, tests, and EVERYTHING. My midwives even cleaned my house, did the dishes, and did the laundry while they were here! The low cost is just one of the many reasons I love homebirth. I just wish insurance would pay for it!