Pregnancy Bills?

[boomhauer]

Just curious, what do you think I should be expecting in terms of bills after my wife delivers the twins?

We have great medical insurance, but I know you have to pay something.
Between doctor's visits, blood tests, ultrasounds, delivery, etc., can someone who's been there give me a ballpark figure so I can be prepared AFTER insurance, how much of a bill will I get?

 

[DisneyAddict_M]

I think it really depends. I didn't have to pay anything at all. Not even doctor co-pays. I had GREAT insurance. However, I think my sister had to pay around 20%.

 

[tiggersmom2]

The only way you can answer this is to call your insurance company. I have no out of pocket expenses for the hospital and only have a one time co-pay of $15.00 to my doctor..... but every insurance policy is different.

 

[dcgrumpy]

It depends on your insurance. I had three pregnancies two of which were high risk, 3 c-sections, 2 amnios, a fetal EKG, at least two dozen ultrasounds and the only thing I paid was a $5 copay when I went to one of the specialists. I didn't pay anything to my regular OB or the hospital.

 

[mjkacmom]

I payed between $5 and $20 for each of my pregnancies - $20 was with my twins, because that's what the co-pay was at that time.

 

[shirleyb]

Yep, what they said, depends on your insurance. Are you on an HMO?

With DS1, I wasn't, and total out of pocket was over $1000.

With DS2 and DD, I was and didn't pay anything.

 

[mickeyboat]

$10 co pay for the entire pregnancy, 2 1/2 week hospitalization for me and 2 1/2 week intensive care nursery hospitalization for Hannah.

Your costs will greatly depend on your insurance program. You should be able to obtain a "Statement of Benefits" which will explain your co-pays, deductibles and co-insurance.

Denae

 

[lindakmonty]

totally depends on your insurance w/my ds5 all my office visits and 2 ultra sounds were 100% covered. our hospital bills were 90% covered....so I paid less than 1k. that was w/no problems. My exbil didn't have insurance and his son was premature... his bills were over 20k! it all depends... sorry!

 

[mom2rb]

I paid $5.00 for the first doctor's visit to confirm that I was pregnant and $10.00 for the twins first check up. I had all the extra visits and testing that go along with having twins. I was in the hospital once during my pregnancy and the boys were in the hospital for a week after.

 

[Rachie0507]

I paid my normal co-pay at the OBGYN office, with a $100 cap. My first pregnancy was complicated so I ended up with "free" appointments. Second pregnancy, I believed I paid each time. As for the hospitalization, I don't think we paid anything, other that the small fee the hospital charged for a private room (I believe it was $15-30, it was joke really, only one room out of ten was a double). We have a different insurance company now and I remember reading that there was one lump fee that covered the entire pregnancy--around $250.

Moral of the story , call your insurance company to find out the details. Overall, with good insurance, it is pretty reasonable.

 

[Toby'sFriend]

I had a $15 co-pay to the OB-GYN and then a $500 deductible for the hospital.

I think I had to pay another co-pay to the Anesthesiologist who did my Epidural and then a co-pay to the Pediatrician for the baby too -- but I really don't remember. They were small if I did.

 

[LisaNJ25]

I am not sure... did you check how much your coverage is? I paid $10 for each child... and that was at my first OB Visit

 

[helenabear]

Ask your OB/GYN. When I was pregnant, they actually ran my info through my insurance so I could make payments on the delivery. My payment after insurance was going to be $190 (out of pocket would run about $3500). I know we have great insurance though. One of my friends paid about $500 or so not too long ago. Another friend said it would cost about $350. I think the days of free babies are long gone since most charge at least $50 for a hospital stay now.

 

[boomhauer]

Checked with my boss, and she said we're on an HMO and it covers everything!

I guess THAT'S why insurance is expensive.

 

[DMickey28]

I had one $15 co-pay with my first visit and will have $100 hospital co-pay. Then we will also pay the extra for a private room but that's all.

 

[Mono~rail]

We literally have "million dollar babies." Luckily, our medical insurance plan that we had at the time capped out of pocket expenses at $5k per family member so we got off with $15k out of pocket.

I was on hospital bedrest starting at 24 weeks. The cost of the every other day Level 3 ultrasounds was approx. $400k. I spent the last 7 days of bedrest on the labor and delivery floor with 24/7 monitoring - that got pretty expensive. The girls were delivered c-section at exactly 30 weeks so they were immediately intubated and sent to NICU. One spent 2 weeks on the vent and the other spent 7 weeks. The one who only spent 2 weeks on the vent graduated from the NICU after 7 1/2 weeks - she came off the vent and the rest of her stay was uneventful. The one who spent 7 weeks on the vent graduated from the NICU after 4 month and 4 days and 3 surgeries during that time. Oh, yeah, and I spent another week in the hospital following their birth - the first 3 days of that were in ICU because I had pulmonary edema secondary to an obstructed right kidney.

 

[Jennifer S]

The only way you can answer this is to call your insurance company. I have no out of pocket expenses for the hospital and only have a one time co-pay of $15.00 to my doctor..... but every insurance policy is different.

me too. Total cost was $10 for DS #1 and $15 for DS #2

 

[katerkat]

I paid 25 cents the one day my appointment went over an hour and I had to pay the parking fee. No co-pays, nothing for the various prescriptions, nothing for the hospital stay, nothing for the epidural, etc. Military insurance covers EVERYTHING.

 

[ukwildcat]

Being in the healtcare industry, I have very little problem understanding my health insurance benefits.

It's sad that most people either don't know their insurance benefits or are so confused by how things are computed that they can't understand them.

Sorry to go off topic, but I think health insurance in this country is in need of a drastic change.

 

[Lisa loves Pooh]

I would speak with your insurance company.

I pay a flat fee co-pay for my OB care (somewhere in teh $200s---they will not be collecting until after the baby is here).

I pay a co-pay for my hospital stay (infant is covered under me and last 2 pregnancies I didn't have separate baby co-pays) and then paid 15% of the contracted costs after the deductible was removed. So I think in total I paid maybe about $600-$800 (something like that).

For twins she may be higher risks, so the OB's fee may be higher..then of course you will have double the baby care expenses in the hospital.

Extras that they included on the bill--everyone gets charged a fee for a hold on the operating room (oddly--even if they are all full ) in the off chance you need a c-section...

NICU care will increase your portion if you pay a % of the bill of course.

C-section will increase your portion (for the hospital part--your OB will also charge more and however your coverage is..you may be more for that as well).

Anesthesiologists cost more (I had an epidural both times--the actual doctor was a separate bill).

Call your insurance to ask what your responsibilities are--then you can somewhat ballpark what will happen.