(Closed) Birth & Insurance questions

posted 6 years ago in Pregnancy
Post # 3
Member
9139 posts
Buzzing Beekeeper
  • Wedding: November 2013 - St. Augustine Beach, FL

Realistic uninsured birth rates depend on the city, the doctor, the hospital, the birthing center, etc….

Have you considered using a midwife and birthing center instead of a hospital?  You are looking at $500-$1500 versus $5K+ for a hospital birth.  A homebirth could be even cheaper with a doula.

When there is uncertainty like that, I always say to wait another year and reassess.  I am also 29 and we aren’t planning to TTC until the end of next year at the earliest (which would make me 31.)  I think it is better to have money and stability because babies can be expensive; a complicated delivery is only the beginning of catastrophic events that could be extremely costly with a baby.

Maybe get tested by your doctor to reassure yourself that everything looks good and is working fine if you are concerned about waiting another year.

Post # 4
Member
7770 posts
Bumble Beekeeper
  • Wedding: July 2010

A birth center!  Like beachbride said, they tend to cost much less.  Darling Husband is a designer and the local birth center actually offered to trade care for design!

Post # 6
Member
9139 posts
Buzzing Beekeeper
  • Wedding: November 2013 - St. Augustine Beach, FL

If there is no reason to think you will have a complicated birth then a midwife should be a first choice.  Have you watched the Business of Being Born?  I think we forget that women around the world give birth every day without being admitted to the hospital.  It’s great to have the option of going to the hospital if there are complications but it’s not necessary for a vast majority of births.

Otherwise, if you must go the hospital route, you can set up an agreement with your doctor to pay cash up front.  However, that is only going to cover the doctor’s expenses, not the hospital and not any specialists such as a lactation consultant that visits you while in the hospital.

A friend of mine went this route and her husband’s job for the two days she was in the hospital was to ask everyone who came into the room who they were, if they were necessary, and whether they planned to bill for their services.  If they weren’t necessary and planned to bill for their services, he politely told them no thanks and asked them to leave the room before rendering their services.  The baby slept in the maternity room with mom and they limited consults on the baby as well to the bare minimum of what was required.  It seemed to me that it was extremely stressful but they didn’t have insurance so their payment agreement was all they had.  They ended up paying between $5K and 10K including the hospital expenses they couldn’t avoid.

Post # 8
Member
2192 posts
Buzzing bee
  • Wedding: May 2012

@beachbride1216:  I agree!

A hospital birth, if covered by insurance is closer to $10-15000, where as a midwife attended birth at a birthing center that is connected to a hospital costs $3000 from start to finish.  Our insurance covers 80% of the hospital birth and 60% of the birthing center.  Trying to convince Darling Husband to swing that way since it makes money sense and that is what he understands.  

I feel for you as DH’s company was just bought and the switch was made April 1st.  We just picked out our new insurance plan.  Ick.  GL!

Post # 9
Member
3769 posts
Honey bee
  • Wedding: August 2013 - Brookfield Zoo

@red_rose:  For your 2014 question, Maternity is considered an essential health benefit so companies will be required to cover it, no rider option, they’ll have to cover it, period!  They also won’t be able to put a waiting period on it due to a “preexisting condition”.  As far as how expensive it’ll be, I don’t know.  I guess I would recommend waiting to see what insurance will be like (you should be able to enroll starting sometime in October of this year, tho coverage won’t start until 2014).

Post # 10
Member
1401 posts
Bumble bee
  • Wedding: September 2012

I wonder if you would still be able to qualify for some sort of Medicaid program in your area because you would be pregnant? We have programs here for pregnant mothers who don’t have health insurance. Just a thought… For example for kids we have a program that is similar to Medicaid but the parents pay part of the cost (like paying a regular insurance company) and it’s based on your income. So maybe they have something like that in your area for pregnant women.

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