(Closed) How much will you/did you spend…

posted 6 years ago in Babies
Post # 3
Member
7779 posts
Bumble Beekeeper

$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.

Post # 4
Member
9825 posts
Buzzing Beekeeper

When all was said and done, right around 8k.

Post # 5
Member
2142 posts
Buzzing bee
  • Wedding: August 2010

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?

@zippylef:

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.

Post # 6
Member
3226 posts
Sugar bee
  • Wedding: October 2010

@KatyElle: Wait…even with insurance..you are paying 8k out of your own pocket! Geez, how can poor people afford to have a baby?

Post # 9
Member
7779 posts
Bumble Beekeeper

@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.

Post # 10
Member
9825 posts
Buzzing Beekeeper

@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.

Post # 11
Member
14316 posts
Honey Beekeeper
  • Wedding: June 2011

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.

Post # 12
Member
2142 posts
Buzzing bee
  • Wedding: August 2010

@miss-spunkin:

Thanks for clarifying! I’ve never heard of that, very interesting. 😀

@zippylef:

I see, thanks for clarifying. 😀 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.

Post # 13
Member
7779 posts
Bumble Beekeeper

@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.

Post # 14
Member
1220 posts
Bumble bee
  • Wedding: November 2009

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.

Post # 16
Member
1676 posts
Bumble bee
  • Wedding: July 2010

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.

The topic ‘How much will you/did you spend…’ is closed to new replies.

Find Amazing Vendors