(Closed) How much did your entire pregnancy cost you after insurance?

posted 8 years ago in Pregnancy
Post # 47
Member
887 posts
Busy bee
  • Wedding: June 2013

Oh my god I’m glad I live in Canada!! Holy crap, I knew that it was different down south but this is truly shocking. 

Post # 48
Member
2268 posts
Buzzing bee

@mamadingdong:  “why are you so shocked?

I think that was self-explanatory in my post where I said “In New Zealand…”

Post # 49
Member
272 posts
Helper bee

My baby’s and my office visit co-payments are $5/per visit.  None for labs, u/s, hospital (L&D, PP) and ER visits (3 for me during my pregnancy so far), free health classes (breast feeding/lactation consults, baby care, etc). 

I know it can be really expensive.  One of my friend opt out to have selective c-section with an out-of-network doctor/hospital and I know it cost her LOTS of pretty pennies <$20k. 

Post # 50
Member
914 posts
Busy bee
  • Wedding: October 2013

The actual prenatal visits should be about $35 for office visits and lab work should be covered. Ultra sounds should be about $100 each. I work for a hospital so blood work is free and any other in house testing is free after the $100 copay. Hospitalizations are $100 then covered 100% (I work for a corporation). Doesn’t include physician fees, which I’m not sure of. I’m hoping there won’t be any changes/surprises I’m not aware of! I have United Health Care.

Thankfully my hospital doesn’t do Labor and Delivery, so no worries of my coworkers seeing my vag!

Post # 51
Member
1652 posts
Bumble bee
  • Wedding: July 2011

Does pregnancy cost money in some countries? I’m in England and I haven’t paid anything.

Post # 52
Member
1762 posts
Buzzing bee
  • Wedding: August 2014

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@araneidae:  +111111 me too 

Post # 53
Member
270 posts
Helper bee
  • Wedding: September 2014

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@Mrsluckywife:  haven’t paid anything? Unless you don’t work, you have paid plenty in tax for the NHS

Post # 54
Member
2657 posts
Sugar bee
  • Wedding: October 2012

I have read threads when I was on this forum more last year. And I read where women have off a year after having a baby. Is that paid leave?? If so how in the world does a company be able to pay for a woman on a year leave and the person that replaces her for a year??

And if you are not replaced for a year, how much more work does all the co-workers have to do with her absence??

I dont know how companies do it. Cost-wise and labor-wise.

With my work, when I ask off for a few days, my co-workers are not given help for all the days I ask off. And yes I feel guilty because it IS very insane with just two people!!! My company has many pharmacies but theres only 3 of us in our clinic pharmacy. I cannot imagine being gone for a whole year and what it would be like for my co-workers!

Post # 55
Member
2512 posts
Sugar bee
  • Wedding: December 2011

i’m not pregnant yet but since we’re planning to TTC soon, i looked into our insurance costs. i’m lucky to have a great kaiser plan that my employer pays. all my prenatal appts, u/s and bloodwork are free. the delivery copay is $400 (they call it Inpatient Obstetrical Care and Delivery). well baby appts up to 23 months are also free. it’s the #1 biggest reason i’m still at this job. DH’s company’s benefits aren’t nearly as good so i need to keep my job for this reason. i also get 13 weeks maternity leave at 1/2 pay. trust me when i say i know how incredibly lucky i am. the US is so behind when it comes to mat leave and insurance costs!

Post # 56
Member
270 posts
Helper bee
  • Wedding: September 2014

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@Earlybride:  I’ve not had maternity leave, but in the UK we can take up to a year, im not sure on exact numbers but basically the government pays a lot of maternity pay here. Companies have to pay some but not for the whole year, like 3 months or something. And not the whole pay for 3 months. Also, the last 3ish months are unpaid, it’s just that you can’t be refused it. Again, we, the taxpayer pays for a lot of it. 

Post # 57
Member
894 posts
Busy bee
  • Wedding: August 2012

With my 1st pregnancy I was required to pay both deductibles for 2010 and 2011 $500 for each year and then the remaining 20% my insurance wouldn’t cover of $1020.00. This was just for my doctor. The hospital bill total came out to $27,500 for mine and my DD’s care. I did end up getting another form of insurance at the end so the hospital was covered and I only paid the $2020.00

Post # 58
Member
2268 posts
Buzzing bee

A lot of you are either confused about Canada’s maternity leave or misrepresenting it. In Canada, you earn money by working and it goes into an account. It’s called EI, Employment Insurance. If you earn enough to take a year off and live off of EI, then you can take a year off for any reason, including having a baby, because you feel like it, because you’re sick etc. It is not just maternity leave and you need to have worked the previous year. The max is $485/week and taxes are deducted from that.

My friend lives in Calgary and her husband has a bad shoulder. It took 11 months for him to see a specialist and they determined the surgery he needs to prevent his chronic pain is not a necessary procedure. They suggest he take pain pills the rest of his life. The health care system in Canada is far from perfect.

Post # 59
Member
1652 posts
Bumble bee
  • Wedding: July 2011

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@wwbga:  Yes I work full time. Oh but I’d be paying that anyway if I wasn’t with baby so it’s not an expense for me in my pregnancy.

The only stuff I’ve paid for is £5 for 3 scan photos, and if I have a doula and birthing pool at home I’d pay for those. Oh and my maternity stuff and things for the baby obviously.

I’ve had a really tough pregnancy and have needed hospital appts plus loads of prescriptions so I feel lucky they’ve all been free.

Oh and we’ve paid for our birthing classes – we could have done free NHS ones but we preferred to book alternative private ones so we paid for those.

Post # 60
Member
887 posts
Busy bee
  • Wedding: June 2013

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@bunnyharriet:  thanks for clarifying that for everyone. I think the reason people are confused and/or suggesting different things is that a lot of people get more than just EI, EI is the bare minimum (assuming you have paid into it and are entitled to it). A lot of companies top it up, and especially government employers. For instance my cousin who works for the federal government had her EI topped up upon maternity leave so that was making 100% (or it might have been 97 or 98%..) of her annual income, for one year after having a baby. 

Post # 61
Member
1026 posts
Bumble bee
  • Wedding: May 2012

2000 max out of pocket plus 750 deductible plus 300 hospital copay plus 30 copay per visit. 

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