Post # 1
Very random question.
I have to re-enroll in my FSA account and I’m trying to get a rough figure in my head for IF I get pregnant next year how much I should allot for pregnancy doctor visits, any meds, misc etc.
Can anyone give me a rough idea?
Are there bi/monthly visits when you’re pregnant? Just copay? Etc
Post # 3
This all depends on your insurance and the doctors. Some people i know had to pay one copay in the beginning of their pregnancy but I did not have to pay anything for mine. I did however had to pay a co-pay for a specialist I saw when I had to do my Sequential Screening tests (testing for Down Syndrome & other neural tube defects).
I am sure others will be able to give you more information.
Post # 4
It depends on what your insurance covers and whether or not you have a deductible. For my last pregnancy, the first few appointments were the regular co-pay for any visit, but eventually they went down to like $5 a visit when I was going more than once a month.
It will also depend on how you feel, if your doctor feels they need to see you more, etc. If you don’t have a deductible or anything, I wouldn’t put all that much money in if you can afford to just pay the co-pays. I would guess that I only spent maybe $300 with my pregnancy and that is including going to the ER a few times, multiple ultrasounds and NST tests.
Post # 5
- Wedding: July 2007 - Rosary Chapel & Monterey Marriott, Monterey, CA
Check your insurance plan — or better yet, give them a call! Sometimes you need to pay for each individual appointment, and other times (like my plan) you just pay for the very first one. Check to see if ultrasounds are covered and how much they cost as well. Finally… what the co-pay is for delivery. The only tricky part will come if you are on a cost-share plan (i.e. responsible for 20% while they 80%) like a PPO and not a single rate plan. Then it’s hard to estimate costs precisely for delivery based on so many factors.
Post # 6
I just checked my plan and my first PreNatal and PostPartum visit are free.
But after that it’s deductible (1k) with 20% coinsurance. Which I think is what you’re talking about Lemon?
We won’t be TTC till about October so unless we are really really lucky I think my new plan year would start before I give birth. So I don’t think I have to worry about delivery and all that. Though I will definitely check on ultrasounds too.
FSA is all pretax so I look at it as extra money saved! I would hate to only put say $200 when I needed $500. Which I know there are lots of unexpected things so I just want to get a rough estimate.
Post # 7
I see my doctor monthly until the end of the third trimester – then you have ultrasounds (usually at least 2), and other tests, plus delivery – so depending on your coverage it could be limited out of pocket or in the thousands….
Post # 8
Just try not to over-estimate because you don’t want to lose the money if you can’t use it. Although some plans will let you buy OTC meds and thing like contact lens solution with it.
Post # 9
Yea I agree with PP just be careful. I over calculated my FSA and ended up not using it all bc they changed some things and I lost a couple hundred dollars! I ended up dropping bc I rather put that money in my own savings.
Post # 10
I don’t have an answer to your question because I have never been pregnant but last year, I had some money left over and I was able to buy prescription sunglasses for the both of us. Each costing $300 each. I know I overestimated my FSA account but it’s better to us it then to lose it. Also, getting dental work done allows you to use up the account. I also load up on OTC meds whenever I’m in the pharmacy.
Post # 11
No worries on me losing any money. 🙂 I’m pretty good on keeping an eye on it and using it up. 🙂
I usually take a peek 2 or so months before it expires and if I have money left it’s a new pair of glasses, stock up on contacts or meds for the entire family. Last year we went to Rite Aid and spent over $100 on meds for our families. A little crazy but better than letting it go to waste. And yup if I had more leftover from this past year I probably would go for another dental cleaning. But not enough left for one.
But yes, I don’t want to overestimate too much because I don’t want hundreds leftover. Which is why I’m not estimating for labor and all that. Because chances are I won’t be in delivery the next plan year (2010-2011).
Pregnancy tests are covered under my FSA as well!