Post # 1
Hi bees, Did anyone have an experience with elective c section? Did the doctor agree to it and was it covered by insurance? Thank you for your responses. Please do not post cons of having one, I m well educated on the subject. I am simply asking for logistics, financial aspect only.
Post # 3
I would say, no. If the only reason you are having a c-section is because you want one, then I doubt insurance will cover it. They are much more expensive than a vaginal birth, so unless it is medically necessary, it isn’t exactly feasible for an insurance company to cover it. Plus, most of the time, if they are a “scheduled” c-section, most insurance companies will require a pre-authorization, which has to include a valid medical reason verified by your doctor for having it. Unless you can get your doctor to lie (which would be pretty unethical on their part), you will probably have a tough time getting a pre-authorization.
There’s a reason they do this, too. Vaginal birth is best for baby if at all possible. Getting squeezed through the birth canal preps their bodies for life outside, including squeezing the fluid out of their lungs. Plus, sometimes c-sections are performed too early when they are scheduled and baby is not yet equipped well to handle life outside the womb.
I know you didn’t want to bring it up, but may I ask why you want an elective c-section? Are you scared of a vaginal birth? Are you asking for a friend or something?
ETA: Once again, I don’t think a normal doctor with good morals would agree to it, because our first and foremost goal in medicine is: first do no harm (I’m a med student). An unnecessary c-section is definitely more risky for mom and baby, so no, normal doctors don’t agree to an elective one. Now, as far as celebrities with plenty of money, maybe, because unfortunately most people, doctors included, can be swayed by a large chunk of money. But then it’s not a question of health insurance, so they probably get away with it sometimes.
Post # 4
As far as I know, no doctors in my area will do an elective c-section- because it isn’t good for mom or baby.
Post # 5
Only your insurance provider can answer that question. Coverage varies widely from plan to plan. I’m surprised you were able to find a doctor to agree to it, given recent findings on the long term effects of elective c-sections.
Post # 6
@cowgirlace: Thank you for our response. I am not pregnanat myself, but wanted to know the options for the future. I know that elective c-section is something that is done in a lot European countries (I am not from U.S. originally myself) so it is something that is common to me, but i was not sure if it is the same in U.S. One of the things that I found very different here as opposed to where I am from is approach to medicine, treatment plans, diagnostics, prevention and of course the costs of medical care- that was the biggest “culture” shocker to me.
Post # 7
You should probably read what your insurance covers. If it’s not outlined in the policy you could call your provider and discuss with them. There are new rules that will becoming into effect so things that are/aren’t covered will change. I’m sure if you really want one, you can Dr. shop and find a Dr. that says you need it medically.
Post # 8
Most providers are moving away from elective c sections because the cost and risks it can have so I.would be surprised if insurance would cover it. Pretty much nothing that isnt “medically required” is covered.
Post # 9
I would say if an ultrasound without medical reason isn’t cover then a c-section without reason would DEFINIETLY not be covered.
Post # 11
It depends on your insurance coverage. A friend of mine had an elective c section because her doctor suggested it to her, being that she was high risk. It was covered.
Post # 12
If it was totally elective (you aren’t high risk, etc), then I would say no, probably not. I had to have my gallbladder out a few years ago and I could not have the operation without having all these tests to prove that I needed it, even though my Dr. and I knew that was what was wrong.
Post # 13
- Wedding: September 2008 - A tiny town just outside of Glacier National Park
I doubt it, but call your insurance provider. They’re the only one who would tell you for sure. You could probably seach to see if there are any providers available who DO, but I don’t think you could opt to switch if you’re already pregnant (possibly a pre-existing condition in that case?).
Post # 14
I highly doubt it, but it doesn’t hurt to call the number on your insurance card and ask.