Hellobee Boards

Whatever your max family out of pocket is for insurance. Ours was 6k which is what we paid last year.

@FancyGem: then save $4000. Keep in mind that you may have significant prenatal costs if the pregnancy is not in the same calander year as the pregnancy. Unless you are shooting for a Aug, Sept, Oct or Nov baby you may want to save more- like 6-7k total.

I called my hospital to find out how much a vaginal birth/c-section, epidural and 2-5 night stay was. I also called my OB's office to figure out the prenatal care cost. From there, my insurance was able to give me a number.

I only had to pay my deductible (twice because each birth rolled over to a new year).

@youboots: @FancyGem: that may not be true -check with your OB - mine doesn't bill at all during the pregnancy - once you deliver they bill you all at once that way its covered the same year you give birth and helps with OOP costs

@Mamaof2: really?! My OB didn't bill at all either until the end, but I still was responsible for two deductibles because the services were rendered in both plan years. They didn't care about when it was billed. I delivered 2 weeks after the new plan year started and they had no mercy on me!

@Mamaof2: it must! I hate all the different rules!

When we had our daughter we had to pay our family OOP of $7K before insurance really kicked in. Somehow they were able to assign expenses to me and also expenses to our newborn, making it so that we had to meet our family OOP as opposed to individual OOP. Something to keep in mind in case this applies to you too!

I'm not sure. Ours was a surprise, but they bill is beforehand and we have to pay by 32 weeks. I already met my deductible last time so it was pretty low, but I haven't this time and I'm sure it will be much higher.

@Mamaof2: same with me. Pregnancy and labor were over two years but OB charged at delivery and I only had to pay for that year.

Do you get any prenatal care free? My prenatal care appointments were free with each baby (except for ultrasounds and lab work).

Don't forget that the baby will have his/her own medical bills for the hospital stay as well. Our baby was billed $3,440 but we only paid $300 of that after insurance.

For the birth, my insurance was billed $27,000 by the hospital and $2,500 by my OBGYN. I had an emergency C-section in November. Our OOP was $2,200.