Disney Information Station Logo

Go Back   The DIS Discussion Forums - DISboards.com > Disney Trip Planning Forums > Budget Board
Find Hotel Specials & DIScounts
 
facebooktwitterpinterestgoogle plusyoutubeDIS UpdatesDIS email updates
Register Chat FAQ Tickers Search Today's Posts Mark Forums Read





Reply
 
Thread Tools Rate Thread Display Modes
Old 09-21-2012, 11:31 AM   #16
Crazy4Disney06
DIS Veteran
 
Crazy4Disney06's Avatar
 
Join Date: Jul 2005
Location: Oregon 3134.60 miles from WDW
Posts: 2,665

Quote:
Originally Posted by StitchesGr8Fan View Post
DH and I are on separate insurance plans brought our employers. We are trying for baby #1. I'm tying to figure out when baby will start getting its own medical bills and will need to be added to insurance. Also tying to figure out which annual out of pocket maximum will apply to labor and delivery bills - individual or family. Any advice from parents out there?
Not sure what insurance company you have but we had Blue Cross Blue Shield with last pregnancy. The insurance covered him for 30 days but we notified them sooner so that there was no hiccups in the system.
__________________
Me (34), Dh (35), Ds (12) Ds2: (3)
Past Disney Vacations:
9-96 ~ WDW - Wilderness Lodge / 6-98 ~ DL (graduation gift) - FairField Inn/ 3-00 ~ DL (DisneyMoon) - Stovalls Inn / 5-03 ~ DL - Super 8/ 7-04 ~ DL - Hyatt Regency Orange County/ 8-21 - 8-27-07 ~ WDW - POP / 10/11 - 10/19/08 ~ WDW - CBR & Disney Wonder / DL ~ 10/5 - 10/9/09 Disney's Paradise Pier Hotel / 12/15 - 12/20/2011 ~ Our first Holiday Season with Mickey @ ASMu / Villas At Disney's Grand Californian Hotel ~ D 12/16 - 12/21/12 /Tinkerbell Half Marathon Weekend @ DL 1/16 - 1/20/14 / Next: Aulani Hawaiian Resort 8/24 - 8/30/14

DVC Owners Since 3/2012
Crazy4Disney06 is offline   Reply With Quote
Old 09-21-2012, 10:59 PM   #17
Betsy82
Mouseketeer
 
Join Date: Jun 2012
Posts: 115

I had two forms of insurance when my first was born. I carried a single policy and whenever insurance became available to my husband at work, we added a family policy. I still had approximately 4 months left on my single policy, though, which happened to cover the birth.

This is where it got confusing. Baby was automatically covered under my policy for 30 days. Like a PP said, the hospital lumped the bill for the both of us.
I had a csection and a $0 OOP for surgery or inpatient stays. So I knew I shouldn't have to pay anything.

Insurance paid MY bill and kicked baby portion back to my husbands policy because his birthday was first and technically baby actually had coverage on that plan.

Hospital fought it because both insurance companies took their write off for their portion of the bill they paid. It was a MESS. They kept trying to bill me for the write off amounts. DH's policy even had 100% maternity coverage, so still no OOP there either.

So. Is good you're doing your homework now. Try to make sure you know exactly how itsgoing to work (which insurance is baby getting?) so you don't have the same headache I did.
Betsy82 is offline   Reply With Quote
|
The DIS
Register to remove

Join Date: 1997
Location: Orlando, FL
Posts: 1,000,000
Old 09-21-2012, 11:10 PM   #18
dryvithome
Mouseketeer
 
Join Date: Jun 2007
Location: Texas
Posts: 443

For the first baby, we had him at a hospital, with blue cross blue shield as the insurance provider. Hospital tried to bill us $1700 when our out of pocket was only supposed to be $500. Thanks to the slow pay by them, we almost got stuck with that. Insurance required that we notify them ahead of time about the birth (which we had done). And had 30 days to add the newborn to the policy. For the second birth, we did a homebirth with a midwife. No problems with insurance then. Gladly covered a midwife or a birth center second time around. (different insurance carrier). Best of luck!
dryvithome is offline   Reply With Quote
Old 09-22-2012, 06:25 PM   #19
*Seanaci*
DIS-obsessed and proud!
 
*Seanaci*'s Avatar
 
Join Date: Nov 2008
Location: Denver, CO
Posts: 1,715

When I was pregnant with DS in 2007, I had an individual insurance plan. Found a great OBGYN whom I saw a dozen or more times before DS was born. For whatever reason, the place I worked at changed/updated insurance yearly in Sept/Oct, rather than Jan like most places. So while I was looking forward to a labor and delivery at my hospital of choice with my OBGYN that I'd been seeing for the last 9 months, my work threw me a curve ball and changed to Kaiser insurance. Ummm...hello? I'll have to change doctors at the END of my pregnancy (my due date was Oct 10th) and deliver at a place I had never toured/been to before. My bosses sentiment "well, at least you'll only pay $25 for the birth of your kid this way."

DH and I ended up claiming common law marriage (life changing event) and submitting paperwork to his HR lady and adding me to his insurance so we could stay with my OBGYN and original hospital.

It's really great that you're looking into all of this now. But what blows my mind is that whether you change to your DH's insurance and drop yours altogether or vice versa, you're not saving any money. O_o I would think that by dropping one and being on the employee +1 until baby comes along (and then switching to family) it'd be cheaper because one of you is not having health ins deductions taken out of your check anymore.
__________________
Contemplating when our next trip will be...2014? Mom is wanting to do Disney next year. We'll see.



Me(34), DH(43), DS(6), DM(55), DG(61)
*Seanaci* is offline   Reply With Quote
Old 09-23-2012, 06:34 PM   #20
malibuconlee
OOH - I think I've finally figured out the multi-quote feature!
Don't forget to get your drink of water from the "Fountain of Youth!!"
 
malibuconlee's Avatar
 
Join Date: May 2005
Location: Twin Cities
Posts: 3,426

One thing I haven't seen addressed is the "Global Maternity Fee". This is generally the charges an OBGYN charges the patient for all of the appointments leading up to delivery as well as a normal ******l delivery. Ours charged an extra $500 for a C-Section, which I had.

Mine charged at the very end of my pregnancy. Some as I understand charge as the pregnancy progresses.

Every employer and insurance is different, but I would definitely look into the different plans offered by both insurance companies. What makes sense and is cheaper for you when it's just the two of you can change when the baby comes along. It might be cheaper then to be all on one policy. Especially when it comes to deductibles and out of pocket max.

And, honestly, the HR dept or the insurance company you each have will be your best place for info on how your plans work!
__________________


malibuconlee is offline   Reply With Quote
Old 09-23-2012, 09:09 PM   #21
Betsy82
Mouseketeer
 
Join Date: Jun 2012
Posts: 115

Quote:
Originally Posted by malibuconlee View Post
One thing I haven't seen addressed is the "Global Maternity Fee". This is generally the charges an OBGYN charges the patient for all of the appointments leading up to delivery as well as a normal ******l delivery. Ours charged an extra $500 for a C-Section, which I had.

Mine charged at the very end of my pregnancy. Some as I understand charge as the pregnancy progresses.
I've never heard of this.

My OB charged a flat $4,000 fee for everything. I had csections. So maybe her fee for a ******l delivery was less.

The $4,000 was billed after delivery.

I did have a high risk pregnancy with my second and was not charged more for additional appointments (2x per week) but was charged if I had an NST or other sort of additional testing.
Betsy82 is offline   Reply With Quote
Old 09-23-2012, 09:12 PM   #22
malibuconlee
OOH - I think I've finally figured out the multi-quote feature!
Don't forget to get your drink of water from the "Fountain of Youth!!"
 
malibuconlee's Avatar
 
Join Date: May 2005
Location: Twin Cities
Posts: 3,426

Quote:
Originally Posted by Betsy82 View Post
I've never heard of this.

My OB charged a flat $4,000 fee for everything. I had csections. So maybe her fee for a ******l delivery was less.

The $4,000 was billed after delivery.

I did have a high risk pregnancy with my second and was not charged more for additional appointments (2x per week) but was charged if I had an NST or other sort of additional testing.
That would be considered your Global Maternity Fee. The set fee for your prenatal OB care and delivery by your OB/GYN.
__________________


malibuconlee is offline   Reply With Quote
Old 09-24-2012, 03:09 PM   #23
savannie
Mouseketeer
 
savannie's Avatar
 
Join Date: Jun 2011
Posts: 78

My sister had to pay a separate copay ($350) for my niece as soon as she was born. They called and argued about it, but the insurance company insisted she was a separate patient as soon as she was born.

Also, be careful about having a separate insurance plan for you and your husband. In my state (Alabama) it is common practice to not allow a couple to merge together under one family plan if they have been on separate plans before having children. For example, if my husband and I are on separate plans and I have a baby then we are not allowed to move all of us over to my husband's plan to save money. We must keep him on one plan, me on another, and the baby on one of the two plans. In that case we'd be paying for a family plan and a single plan each month. I know it sounds crazy, but it's been in huge letters on each form I've filled out at different jobs. My husband's work won't let you sign up for insurance at all if you don't get it when it's first offered to you. Most companies have a yearly enrollment period, but his office is very strict. One guy has worked there for 30 years and can't get on the insurance because he didn't sign up after his initial 90 days.

You really should call the insurance companies and discuss this very thoroughly with them, though. Everyone's insurance is different. It's great to do all this now, though, so there are no surprises later.
__________________
{Michael} {Savannah} {3 Dogs} {2 Cats}
savannie is offline   Reply With Quote
Reply



Thread Tools
Display Modes Rate This Thread
Rate This Thread:

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump

facebooktwitterpinterestgoogle plusyoutubeDIS Updates
GET OUR DIS UPDATES DELIVERED BY EMAIL



All times are GMT -5. The time now is 05:16 AM.

Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.

Copyright © 1997-2014, Werner Technologies, LLC. All Rights Reserved.