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on the birth of your baby! Including prenatals, labor, delivery etc.
We have a package deal, but since we're going with an OOT provider, it will be about 6k which seriously sucks! I doubt most people with ins. pay that much, just curious to see what most people pay :)
$0. Tricare Prime (military healthcare) covers all maternity and post-partum care 100%. They cover whether I choose to deliver on base, off base in a British hospital or at home with a midwife.
Er. I have NO idea. What do you mean you have a "package" deal?
I've never really sat down and calculated it and I have no idea what L&D is going to cost. I have one coworker who just have birth and I plan to ask her. But I think it's likely she's on her husband's plan since he's a state trooper.
I vaguely remember a male co-worker telling me that after his wife gave birth (she's on his plan) that they still had 2-3K in bills? But not sure if maybe she had a C section?
That's really interesting! Is it because you are overseas that you can choose a nonmilitary hospital? My BIL & his wife are both in the AF and I was under the impression they had to see military doctors and deliver in a military hospital. I remember only because I heard horror stories about her appointments and I wondered why she did not just switch doctors.
@KatyElle: Wait...even with insurance..you are paying 8k out of your own pocket! Geez, how can poor people afford to have a baby?
@zippylef: OMG soooo jealous... ugh we're having to pay double just for using a midwife which i think is sooo stupid since they're cheaper than hospitals for our ins. company anyway!
@regberadaisy: Meaning the initial consultant, all prenatal vistis, delivery and 6 weeks postpartum care is all included in one price, they cap the cost at $6500. They still bill the total costs (which avg. about 12k) to our insurance company, but no matter what they cover, we will not have to pay more than 6500k out of pocket.
@regberadaisy: I think it may be an exception for being overseas. DH is AF too. I've heard lots of women complain in the states about the base hosptials and having no choice. In the states, you can switch down to Tricare Standard and choose a civilian care provider, but you will have to pay a little out of pocket.
@miss-spunkin: Yeah. Our medical coverage is really pretty good. It's one perk of the military.
@luli29: DH's insurance at the time cost us $800 a month, I visited a few specialists that were not covered under our plan, plus with vitamins, baby stuff, yeah it added up quickly. The 2k epidural wasn't covered either.
I dont have kids yet, but I was just talking to my uncle last week who works at the same company about this. Two years ago before our insurance changed... it was $150 for everything. It was just copay for the hospital stay, and 100% coverage for the rest of it and all the appointments and everything. With our new plan, it was $300 copay then 90% of the rest, he said about $1500 for his second one, but our insurnace has a max out of pocket of 3k. Its changing AGAIN this year and they are upping our copay to $400 and max out of pocket of 4k.
Thanks for clarifying! I've never heard of that, very interesting. :D
I see, thanks for clarifying. :D Be glad you're not delivering in a state military hospital and seeing state military doctors!! I thougth she had an option to use a different office and pay some out of pocket. It always boggled my mind why she didn't.....many times she came back crying from appts because they would literally leave her sitting in the exam room in her robe waiting for hours. I would've stormed out and asked wtf is going on!
Did you know that on base day care is not free??? I was shocked to hear that the other day! I'd assume it was free! My BIL has his kids in a Montessori now and they are paying LESS than what they were paying for on base daycare.
@regberadaisy: Yep, I knew that. The allow free daycare for certain things but you do have to pay. I think I am going to deliver on base here but the hospital here has been very good so far. They have 2 midwives on staff plus a lactation consultant. They are super natural-friendly. They allow an IV tap thing instead of a full IV and intermittent monitoring so that you can move around a shower and stuff. They will do all of the babies checks on the mothers chest because they encourage skin-to-skin contact for the first hour of life minimum and immediate breastfeeding. I am pretty satisfied with the answers about hospital policies that I have gotten so far and the doctors and nurses have all been friendly.
You can't really do much storming about... all of the doctors are really high-ranking. You have to watch yourself as a spouse so that nothing you do comes back and hurts your husband's career. He could get in deep shit if I ran off at the mouth at an officer.
Deductible $500
Hospital Stay $2100 (total billed to insurance was 27k)
Ultrasounds $150 x 4 = $600
bloodwork (many) $250
other random things I forget $300
$3700 ish
Plus baby has his own deductible of $500 that I'm sure we'll hit prior to the year ending.
@Miss Sapphire: oh my goodness, 27k was billed to insurance company?!? how do babies cost so much!! Isn't it supposed to be a natural process of life?! CRAZY!
Apparently, we'll be paying just about $0 with our current insurance. I'm sure there will be some minor expenses, but no copays or percentage paid by us. Our max out of pocket per year is something like $1500.
Midwife: prenatal, l&d, 6 weeks pedi/postnatal: 3400 (if paid by week 34) 3800 if after
bloodwork: ~200 for ob panel and gtt
u/s: 300 for 2
birthing tub: 250
total: 4250 =) no insurance... totally out of pocket
Whoa! It would be mighty hard to afford a baby if these kind of prices were the norm.
I haven't had a baby yet, but when my sister did it cost her $0. Regular health insurance covered everything. Call me ignorant; I didn't realize people had to pay medical bills to have a baby.
Is this a Canada/States difference thing?
@miss-spunkin: A pt of my midwife's had to be transferred to the hospital (only the 2nd one in over 2 years) for a c-section due to very very low amniotic fluid and a long labor... well since they were self pay the hospital told them it would cost 38k BUT if they could pay that day they'd only charge 8.
pretty ridiculous is you ask me.
Yes, I do believe it is. In Canada your healthcare covers pretty much everything. In the US it pretty must doesn't cover anything! :)
So far, $0 - my insurance covers all prenatal care 100%. I think the worst-case scenario is $2000, because that's my maximum out-of-pocket costs indicated by insurance.
Not even a co-pay?
I've only had to pay co-pay ($20 each time) thus far and not for any blood work even and I considered myself pretty lucky! :) I got to double check what my deductible is. Do co-pays count towards deductible as well?
I have to pay an extra $200/month for maternity coverage, which will total around $2200 by the end of my pregnancy. With that coverage, I had to pay a one-time doctor's fee of $50, then $50 for each U/S. I will also pay $150 for each night at the hospital. So if I have a simple pregnancy, I should spend around $2700 or so.
If I end up with an emergency C-Section, it will come from my regular insurance (not maternity coverage), so I will also have to pay my deductible of $2500.
So if I have complications, it can cost me upwards of $5K
It looks like nothing. This thread made me check it out. My insurance says they charge one co-pay and then that covers the rest of the visits, my midwife didn't charge me the fee. So I will pay nothing for visits, blood work, or u/s's. We have a max out of pocket of $400, so if I have to pay anything for the birth it will be no more than $400, but according to the insurance company I would only pay this if I had a c-section.
we had our baby on sept. 20th and we got our bill last week... yikes..
my stay 2 night stay at the hospital- 6500
babys stay - 2700
dr bill - 2500
ultrasounds - 200 x 4 - 800
lab- 500
no insurance... all out of pocket
As a fellow Calgarian, I can say that yes this is not the norm in Canada. Typically (so long as you give birth, etc. in the province in which you have your provincial health care card) you don't pay a cent for the medical side of it/most birthing centers and midwives.
I'd personally get really angry if they wanted me to say for post-natal care in Canada considering your first three abortions are free.
@amnystik: Oh wow that's crazy, they have a hospital transfer program at my birth center and I don't think it's that much. I'm pretty sure my ins. would cover them as an in-network provider.
I pay a $10 co-pay for the first visit to confirm pregnancy, then everything else is 100% covered.
Ours was around 7K and all but $100 was paid through insurance. All of my prenatal care was covered too-no copay.
We had to pay the deductible plus 20%. The same goes for hospital stay. I will find out the exact amount (or a good estimate) when we go to the lamaze/prenatal class on later this month.
We pay $0 out of pocket for medical care and insurance. But we're kinda spoiled, and I see big changes coming to our health plan when we renegotiate our contract next year. DD #1 and LO #2 will both be free, but if we have a third, we'll probably have some out of pocket expenses.
I'm not pregnant, but I know we have a 3,000 deductable which has to be reached for them to cover care outside of preventative office visits. I'm fairly confident that once we hit 3K, they would cover the rest? At least I hope so!
I'm nowhere near TTC yet, but can I ask a stupid question? Did you find out ahead of time what the cost would be? And if so, how?
We have a $2000 out of pocket max for the family for the year. So any other doctor's appointments I or my husband have will also go towards reaching that out of pocket max. Once we reach that... everything is covered by insurance. Also, our plan has a "healthy babies" program and if you enroll before you're 14 weeks the plan pays you back up to $600 in our of pocket expenses related to prenatal care so net of $1400.
@Gemstone: Yes I found out in advance. Just call your insurance provider. If you don't have insurance (or if you have coinsurance where you have to pay a percentage of total cost) then call your OBGYN to get an estimate of the cost in your area.
It's going to be around $6k for ours (including the epidural)... that's not including the income we'll be losing while I'm on maternity leave.
ETA: We have a $1,000 deductible, but after that, we'll pay 20% of the total cost.
@Gemstone: Usually you can contact your insurance company and they can give you a ballpark figure. But I went based off of what my coworkers had said.
I paid a $10 copay for the first prenatal appointment, then nothing. We had 100% coverage for everything else. I can't remember if I had to pay a copay for the post partum visit or not. We do have to pay $10 copay for every well child visit, but overall we are very lucky for the coverage we have. My husband is a teacher, so his benefits are pretty good for prenata, deliver and post partum care.
However they cover NOTHING for contraception. No bc pills, no nothing. It was almost 1k for the mirena iud that I wanted after I had my son so we don't get pregnant again for a while. It's amazing that they paid about 12k just for delivery, but won't cover anything to keep me from getting pregnant. I joke that they won't even give me a condom!
@mrstilly: I got the implanon implantation the day after I had DD and it was covered. They came to my room and were like "would you like birth control?" and I was like "YES!" I didn't even think that it wouldn't be covered. =/
@Moose1209: @BabyBoecksMom: Thank you for the info. This thread just made me curious how that worked.
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