Post # 1
We can’t keep TTC. We can’t afford it. We read our healthcare and insurance info wrong. We got an email from blue cross today with all the estimates for birthing centers, hospital births, and c-sections
it’s 7-15k out of poctect. We never knew his health insurace was this bad. I would have kept my old job.
I just started my 2ww and we might not be able to afford to keep it. I’m so gutted I can’t stand.
Post # 3
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
@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 # 5
@MissFireFlower: Can you get state insurance? Like medicare?
Post # 6
Is medicaid an option at all?
Post # 7
@AstoriaK: medicaid! Oops I thought it was medicare. haha Thanks for correcting me(:
Post # 8
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
You can also see about paying cash at a birthing center. It’s significantly cheaper than hospital birth.
Post # 10
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
Paying cash to a midwife is probably the cheapest option (usually $4,000 max in a major city).
Post # 12
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
@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
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
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!
Post # 16
Thank you everyone. I was in shock from the news. For personal medical reasons, I know that a c-section MIGHT be medically nessesary. Birthing at a birthing center is my #1 choice, but I worry in case things went south.
I contacted BCBS and they said that it’s the specific plan my husband chose. He chose a different option when we enrolled as a family. It’s a differnce of only 100/mo, but it’s a BIG differnce in what they pay for.
We would have a $1000 deductable and they would pay for 90% of the cost with teb
Come feb we will switch to the other plan. Thanks ladies. I freaked out.