(Closed) Budgeting For Pregnancy Expenses?

posted 8 years ago in Babies
Post # 3
Member
2856 posts
Sugar bee
  • Wedding: September 2009

This all depends on your insurance and the doctors. Some people i know had to pay one copay in the beginning of their pregnancy but I did not have to pay anything for mine. I did however had to pay a co-pay for a specialist I saw when I had to do my Sequential Screening tests (testing for Down Syndrome & other neural tube defects).

I am sure others will be able to give you more information.

Post # 4
Member
687 posts
Busy bee
  • Wedding: December 1969

It depends on what your insurance covers and whether or not you have a deductible. For my last pregnancy, the first few appointments were the regular co-pay for any visit, but eventually they went down to like $5 a visit when I was going more than once a month.

It will also depend on how you feel, if your doctor feels they need to see you more, etc. If you don’t have a deductible or anything, I wouldn’t put all that much money in if you can afford to just pay the co-pays. I would guess that I only spent maybe $300 with my pregnancy and that is including going to the ER a few times, multiple ultrasounds and NST tests.

Hope This Helps

Post # 5
Member
245 posts
Helper bee
  • Wedding: July 2007 - Rosary Chapel & Monterey Marriott, Monterey, CA

Check your insurance plan — or better yet, give them a call! Sometimes you need to pay for each individual appointment, and other times (like my plan) you just pay for the very first one. Check to see if ultrasounds are covered and how much they cost as well. Finally… what the co-pay is for delivery. The only tricky part will come if you are on a cost-share plan (i.e. responsible for 20% while they 80%) like a PPO and not a single rate plan. Then it’s hard to estimate costs precisely for delivery based on so many factors.

Post # 7
Member
2695 posts
Sugar bee
  • Wedding: February 2008

I see my doctor monthly until the end of the third trimester – then you have ultrasounds (usually at least 2), and other tests, plus delivery – so depending on your coverage it could be limited out of pocket or in the thousands….

Post # 8
Member
1508 posts
Bumble bee
  • Wedding: October 2009

Just try not to over-estimate because you don’t want to lose the money if you can’t use it. Although some plans will let you buy OTC meds and thing like contact lens solution with it.

Post # 9
Member
1944 posts
Buzzing bee
  • Wedding: June 2009

Yea I agree with PP just be careful. I over calculated my FSA and ended up not using it all bc they changed some things and I lost a couple hundred dollars! I ended up dropping bc I rather put that money in my own savings.

Post # 10
Member
3871 posts
Honey bee
  • Wedding: November 1999

I don’t have an answer to your question because I have never been pregnant but last year,  I had some money left over and I was able to buy prescription sunglasses for the both of us. Each costing $300 each.  I know I overestimated my FSA account but it’s better to us it then to lose it.  Also, getting dental work done allows you to use up the account.  I also load up on OTC meds whenever I’m in the pharmacy.

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