Post # 1
We are trying to decide how much money to put in flex spending. DH will be switching jobs part way through the year. We are TTC but will not deliver before Darling Husband changes jobs. I am trying to get an idea of the approved costs of prenatal care, lab tests, CVS, quad screen, ultrasound, glucola testing, etc. If you are able to tell me the insurance allowable amount and what you paid, that would be super helpful. (For example- ultrasound was charged at $1000, insurance allowed $600, and I paid $100.) Thanks!
Post # 3
- Wedding: November 2011 - Florida Aquarium
My insurance has covered everything, 100%. My hospital stay will be 100% covered as well. I don’t remember the details of what was actually charged, though.
Post # 4
I had to pay a $20 co-pay at my first OB appointment, and everything after that is covered 100%. For delivery, I will have a $250 deductible, and then 20% of the bill up to $5000 to pay.
Post # 5
Our insurance has an estimator tool… For our area it’s billed lump sum when you give birth… I think the total negotiated rate is somewhere in the 20,000 to 15,000 range… So with our deductibles and co insurance we’ll owe about $2,000… Plus $25 per visit so I think we’re going to put away $2,500 if we get a HSA account…
Post # 6
I depends so much on your insurance! If I was to get pregnant on my insurance I would have $5000 deductible before they would start covering things plus copays for dr appts. Before we start trying I will switch to my husband’s. With his we will pay very little almost all will be covered.
You should be able to get a break down of how much things cost by calling your insurance. We are given a breakdown of common things at the before each new year.
Post # 7
It also varies a lot depending on whether you work with a midwife, a family practice physician or an OB. That’s only partly under your control (i.e. you might start care with a midwife or family practice MD but develop risk factors that cause them to refer you to an OB), but one way of helping limit costs is to not automatically default to an OB as your primary caregiver.
Post # 8
@guitargirl: It vaires a lot, but so far during my prenatal care I haven’t had to pay a cent. Not even a copay. However, if I want any additional u/s, it is around $120-$160 bucks, and insurance won’t cover any additional. They only cover the 12 week and 20 week.
As far as labor and delivery I hear my insurance rocks and I will hardly have to pay anything, but I haven’t looked into it further because, to me, I already know what I am getting myself into kind of thing, lol.
Post # 9
Mine will be covered at 100% through my employer.