our out of pocket expences for prenateal will be 15k

posted 3 years ago in Babies
Post # 3
Hostess
24457 posts
Honey Beekeeper
  • Wedding: June 2009

I’m so sorry.  Maybe if you are pregnant, there is a way to sign up for another insurance that will cover more of the costs for a birth.

Post # 4
Member
2400 posts
Buzzing bee
  • Wedding: October 2012

@MissFireFlower:  Blue Cross sucks balls. I paid a little over 5k out of pocket for that shitty insurance (when I had my DD). We moved to a plan just for Nevada and I will pay $800 total. Can you look at other insurances?

 

Post # 6
Member
1563 posts
Bumble bee
  • Wedding: August 2012

Is medicaid an option at all? 

Post # 7
Member
2400 posts
Buzzing bee
  • Wedding: October 2012

@AstoriaK:  medicaid! Oops I thought it was medicare. haha Thanks for correcting me(:

Post # 8
Member
919 posts
Busy bee
  • Wedding: September 2011

Paying cash at a hospital is much cheaper than going through insurance – so consider that first of all.  Call area hospitals and get estimates for the entire process including birth.  It varies drastically and sometimes they let you do payment plans.

 

I only know this bc i thought i was pregnant when i was unemployed and freaked out and did all of this research in one day and then found out i wasnt pregnant the very next day.

 

I had one hospital give me an estimate of 4500.00 though and in payment plans in the last 2 trimesters.

Post # 9
Member
3677 posts
Sugar bee

You can also see about paying cash at a birthing center. It’s significantly cheaper than hospital birth.

Post # 10
Member
1654 posts
Bumble bee
  • Wedding: January 2012

I highly suggest PP’s  suggestion if Medicaid or Women’s Health can’t help… Call the hospitals individually and ask how much it would be to give birth without insurance,  they will usually have special rates (around here it’s about 4-5k) for labor and delivery, also if your comfortable check out birthing centers in your area, they tend to be MUCH cheaper than hospitals (around $3,500, that is including all prenatal/postnatal care!).

Don’t think this is an end all be all because insurance won’t cover it… People have babies all the time and most insurance doesn’t cover maternity… There are ways to make it work!

Post # 11
Member
426 posts
Helper bee
  • Wedding: November 1999

Paying cash to a midwife is probably the cheapest option (usually $4,000 max in a major city).

Post # 12
Member
11300 posts
Sugar Beekeeper
  • Wedding: August 2013

I’m not eligible for it (apparently my company really hates my position and doesn’t think the person in it deserves shit), but my company has BCBS and it covers quite a bit of prenatal care, so it’s less BCBS and more the crappy plan that your DH’s company chose. 

Like PP said, look into Medicaid and call hospitals and ask about cash payments/payment plans.

Post # 13
Member
4513 posts
Honey bee
  • Wedding: October 2013

@vorpalette:  +1. Its the specific plan your company offers that sucks. I have BCBS and my insurance will be covering 100% of pre-natal and birthing costs.

Post # 14
Member
1340 posts
Bumble bee
  • Wedding: July 2013

I was just going to say the same thing about BCBS. It’s the policy at your husband’s work. Do they have different plans available at his work or would they allow a change in lieu of a bump in pay, something like that? My FI is in health care and he helps cancer patients coordinate a change in insurance with their employers all the time. A lot of the time employees have a choice of plans and choose the cheapest option because it means less money out of their paycheck. They don’t think much about what happens if they run into major medical costs. Often employers ARE willing to change the coverage if they know the situation. It doesn’t hurt to find out.

Post # 15
Member
5745 posts
Bee Keeper
  • Wedding: April 2011

WHOA!!!

We see a MW and plan homebirths so our total prenatal & birthing expense is under 4k (this includes u/s, bloodwork, homebirth supplies, and a birth tub).

Have you considered this route? I honestly could never see an obgyn again (did with my first) and couldn’t be paid to plan a hospital birth!

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