Insurance deductibles and pregnancy help!

posted 2 years ago in Finances
Post # 2
1192 posts
Bumble bee
  • Wedding: December 2012

First trimester is cheap unless you have a problem.  With my second pregnancy I had an ectopic (non-viable pregnancy) that required several doctors appts, lots of monitoring, and ultimately surgery.  It cost me several thousand dollars.  My first pregnancy and third pregnancy were super cheap in the early months.

Post # 3
956 posts
Busy bee
  • Wedding: August 2015

I agree with MrsBG–if everything goes normally there shouldn’t really be a lot of cost incurred during the first trimester. I ended up in the ER (just a UTI, whew) early on in my pregnancy and even with good insurance it was almost $1000 in copays and whatnot, so you really have to be prepared either way. Ideally that won’t happen to most people but you never know!

Post # 4
2398 posts
Buzzing bee

I have an HMO, so don’t pay a deductible. I simply have a co-pay for my prenatal visits. Even high risk, my co-pays are only $20 per visit, and you just don’t have that many visits until the end. 

I suggest you look into what coverage is offered for fertility treatments as well, just in case TTC doesn’t go as smoothly as you would like (though this would probably be something to look into when you move, since you wouldn’t start infertility treatment until you’ve been TTC for over a year). 

Post # 5
2171 posts
Buzzing bee
  • Wedding: October 2013

I have a PPO so I have a co-pay for all of my prenatal care that started when I went in for my first appointment. I’m paying $420 for all of my prenatal care then I’ll have to pay my portion when it comes time to deliver. I think out of pocket I paid $4,000 total for all of my pregnancy costs. 

Post # 6
2546 posts
Sugar bee
  • Wedding: July 2013

mkz26 :  My first trimester cost pretty much nothing except for an option cell-free dna test we got (billed to insurance it would have been $1,500 but since I paid out of pocket & skipped that step it was only $450). However, my clinic does global billing, meaning they lump everything into one sum, billed to your insurance upon the baby’s birth. Most everything standard is considered prevantative care and covered under Obamacare. So unless your office does it differenlty, or you have complications it shouldn’t be much at all.. It works out REALLY well for me because I have a very high deductible plan now ($5K) with an HSA account, but since baby isn’t due till march of 2018 I am able to switch plans next month a much lower deductible one ($1,500)- I can’t keep contributing to the HSA, but I keep what is in there. My goal is to have at least the $2,500 in the HSA when I switch. My global billing when the baby comes is around $2,500, but thats just for the clinic services & the dr.- that does not include the hospital charges or any complications…. 

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