https://boards.hellobee.com/ Pregnancy, Baby and Parenting blog, by Hellobee en Thu, 14 May 2026 03:14:38 +0000 https://boards.hellobee.com/topic/how-much-did-you-have-to-pay-your-ob-before-lampd/page/2#post-2739332 Tue, 23 May 2017 20:33:45 +0000 Veggie 2739332@https://boards.hellobee.com/ <p>I was so confused when my OBs office had me do this! I live in NY, and my prenatal visits are covered but I had to pay half my deductible and then 20% estimated co insurance. 25% was due at 18 weeks and then the remainder by 36 weeks, but I just paid it in one lump sum. I had a lot in my HSA account from maxing it out in prior years. It worked out to be ~$2,100. When the baby comes I'll also have to pay the hospital bill and +/- anything after my OB sends it to insurance. I hope if I do get a refund its not multiple months after birth like some of you are saying! The amount I paid definitely doesn't cover everything because I've had separate bills for my 20 week ultra sound and RH/Tdap shots. So annoying. </p> https://boards.hellobee.com/topic/how-much-did-you-have-to-pay-your-ob-before-lampd#post-2738643 Mon, 22 May 2017 14:28:25 +0000 littlejoy 2738643@https://boards.hellobee.com/ <p>I work with midwives, but we have to pay about $3,600 before 36 weeks. They'll adjust and send reimbursement after the baby is born. Their global charge is $5,100, so I assume they ran the numbers when I was first pregnant, and I'll receive some $ back since their estimate didn't take my ultrasounds with other providers into consideration. </p> <p>This includes all prenatal appointments, home visit, the birth, and home visits at days 1, 3, 6, 10, and 15 days (also discharge office visit at 6 weeks). </p> https://boards.hellobee.com/topic/how-much-did-you-have-to-pay-your-ob-before-lampd#post-2738638 Mon, 22 May 2017 14:16:02 +0000 DesertDreams88 2738638@https://boards.hellobee.com/ <p>My deductible is $2600 and my OOP max is $4500.</p> <p>I had to pay the doctor $1000 up front, which was 1/3 of his typical $3000 charge. The hospital wanted me to pay them $3000 up front (I arranged a payment plan instead). The hospital billed my insurance before my doctor did, and there was an postpartum ER visit there too, so those two hospital charges (L&amp;D plus ER) made me hit my OOP max. Thus, when my dr billed me, insurance paid the whole thing, and the Dr refunded me my earlier payment. It took about 6-8 weeks after the birth. </p> https://boards.hellobee.com/topic/how-much-did-you-have-to-pay-your-ob-before-lampd#post-2738622 Mon, 22 May 2017 13:43:49 +0000 mrs.shinerbock 2738622@https://boards.hellobee.com/ <p>@T.H.O.U.: mine was combined prenatal, l&amp;d, and post partum care from the OB. The hospital, anesthesiologist, and care for the baby was separate. </p> <p>@Alba4: We are on a CDHP plan, where we basically pay the total cost out of pocket until we fulfill the deductible, then the insurance kicks in. Our family deductible is $2400 which is on the low end of average for these types of plans. </p> https://boards.hellobee.com/topic/how-much-did-you-have-to-pay-your-ob-before-lampd#post-2738620 Mon, 22 May 2017 13:43:32 +0000 sojellybean 2738620@https://boards.hellobee.com/ <p>Just paid $1300 at 24 weeks to cover all prenatal visits with midwives and a vaginal delivery at the hospital. I also did this at a different office with my first and at the hospital when I registered with DD, so it didn't surprise me this time. </p> https://boards.hellobee.com/topic/how-much-did-you-have-to-pay-your-ob-before-lampd#post-2738583 Mon, 22 May 2017 13:06:42 +0000 alphagam84 2738583@https://boards.hellobee.com/ <p>I don't think we saw a bill my entire pregnancy until after delivery. I think we paid somewhere between $1-2K. I was expecting it to be much higher. </p> https://boards.hellobee.com/topic/how-much-did-you-have-to-pay-your-ob-before-lampd#post-2738512 Mon, 22 May 2017 11:25:09 +0000 kes18 2738512@https://boards.hellobee.com/ <p>Yup, my deductible and then their estimate of what I would owe. So I paid $1300. $1k deductible and then $300, although I ended up getting a refund I think I only owed $200 at the end (for their services). And one $40 copay. All prenatal and birth services. With my first they didn't have me pay upfront either.<br /> So after birth I paid the hospital charges, ped charges, and epidural charges. Plus I had extra because I went to L&amp;D to get checked but ended up leaving. I think it was like a standard ER charge ($250 for me) </p> https://boards.hellobee.com/topic/how-much-did-you-have-to-pay-your-ob-before-lampd#post-2738508 Mon, 22 May 2017 11:13:49 +0000 MrsADS 2738508@https://boards.hellobee.com/ <p>I had to prepay, it was based on my insurance. I think I had to pay it by 28 weeks or something. I'm in Florida. I think it was about $600. Of course I still got billed after the delivery by the hospital, anesthesiologist for my epidural, etc.... </p> https://boards.hellobee.com/topic/how-much-did-you-have-to-pay-your-ob-before-lampd#post-2738502 Mon, 22 May 2017 10:55:33 +0000 ShootingStar 2738502@https://boards.hellobee.com/ <p>$0. Maternity care is covered by insurance in full. I only have to pay a copay for being admitted to the hospital. LO1 was $250, LO2 was $400. And those amounts get billed afterwards. </p> https://boards.hellobee.com/topic/how-much-did-you-have-to-pay-your-ob-before-lampd#post-2738473 Mon, 22 May 2017 10:21:02 +0000 Alba4 2738473@https://boards.hellobee.com/ <p>That seems like a lot. I had a co pay every visit throughout pregnancy and the $200 bill for delivery/hospital. </p> https://boards.hellobee.com/topic/how-much-did-you-have-to-pay-your-ob-before-lampd#post-2738455 Mon, 22 May 2017 09:43:14 +0000 yoursilverlining 2738455@https://boards.hellobee.com/ <p>For delivery and anticipated charges - $0.</p> <p>I just paid my co-pay at the visits (if any), and then they billed insurance and then billed me any leftover. </p> <p>This was in 2012 though and I have no idea if my OB's office has changed their practice at all. </p> https://boards.hellobee.com/topic/how-much-did-you-have-to-pay-your-ob-before-lampd#post-2738449 Mon, 22 May 2017 09:38:46 +0000 tramdoof 2738449@https://boards.hellobee.com/ <p>I paid a $30 copay once to cover all my prenatal visits and then expect to pay the flat $350 hospital fee for delivery. I am also on a plan with no coinsurance. I assume I won't have to pay until after delivery, but we will see. </p> https://boards.hellobee.com/topic/how-much-did-you-have-to-pay-your-ob-before-lampd#post-2738438 Mon, 22 May 2017 09:29:59 +0000 matador84 2738438@https://boards.hellobee.com/ <p>@T.H.O.U.: this is all prenatal care and delivery.</p> <p>However, I've always still been billed by the hospital for having my kids on top of what I've already paid up with the ob office. </p> https://boards.hellobee.com/topic/how-much-did-you-have-to-pay-your-ob-before-lampd#post-2738402 Mon, 22 May 2017 09:09:03 +0000 snowjewelz 2738402@https://boards.hellobee.com/ <p>I paid co-pay for office visits, then hospital had a deductible I had to pay. </p> https://boards.hellobee.com/topic/how-much-did-you-have-to-pay-your-ob-before-lampd#post-2738391 Mon, 22 May 2017 09:01:04 +0000 T.H.O.U. 2738391@https://boards.hellobee.com/ <p>So just to be clear, are you talking about prenatal care from your OB or actual delivery charges? </p> <p>First time we had a 20% coinsurance plan so the OB office after the first trimester did a work up to calculate what the 20% cost would be for prenatal care (from about week 12-40). We had to pay that cost by like week 30. Later we also got our 20% portion of the L&amp;D charges but that was after the birth. </p> <p>Second and third kid we didn't have any coinsurance, just a $40 copayment each visit (OB is considered a "specialist"). We paid the flay $200 hospital fee once we were admitted and that was the end of our delivery charges. </p> https://boards.hellobee.com/topic/how-much-did-you-have-to-pay-your-ob-before-lampd#post-2738340 Mon, 22 May 2017 08:11:11 +0000 Mamaof2 2738340@https://boards.hellobee.com/ <p>nothing beforehand - it was billed to insurance after the birth (prenatal and delivery) </p> https://boards.hellobee.com/topic/how-much-did-you-have-to-pay-your-ob-before-lampd#post-2738339 Mon, 22 May 2017 08:10:11 +0000 Mrs. Sunshine 2738339@https://boards.hellobee.com/ <p>I think mine was like $300. I can't remember exactly but I remember feeling a lot of relief with that number. </p> https://boards.hellobee.com/topic/how-much-did-you-have-to-pay-your-ob-before-lampd#post-2738336 Mon, 22 May 2017 08:04:03 +0000 skinnycow 2738336@https://boards.hellobee.com/ <p>I'm in Texas also and had to pay the full amount (prenatal care and L&amp;D) by 28 or 32 weeks. The total amount was about $1,200 and we made payments at every OB visit.</p> <p>ETA: we also got about a $1k refund from the hospital after delivery. </p> https://boards.hellobee.com/topic/how-much-did-you-have-to-pay-your-ob-before-lampd#post-2738313 Mon, 22 May 2017 07:27:57 +0000 mrs.shinerbock 2738313@https://boards.hellobee.com/ <p>I'm in TX and had to pay the full deductible plus the remains 20% that my insurance doesn't cover by 30-ish weeks. Since I was due in Jan, that meant I had to pay for all of it, then when I delivered in Dec, I had to request a refund of the entire deductible. (We had already hit the deductible for the year.). It was a huge PITA. BS like this is why I am more and more on the single payer insurance bandwagon. </p> https://boards.hellobee.com/topic/how-much-did-you-have-to-pay-your-ob-before-lampd#post-2738306 Mon, 22 May 2017 06:39:11 +0000 LBee 2738306@https://boards.hellobee.com/ <p>I pay deductible + hospital copay. I have a FSA so since you can't use that until services are rendered the 30 week requirement is waived. There is about a $2k difference between my copay and the deductible, though, so I've been paying towards it when I rememeber. </p> https://boards.hellobee.com/topic/how-much-did-you-have-to-pay-your-ob-before-lampd#post-2738305 Mon, 22 May 2017 06:32:22 +0000 peachykeen 2738305@https://boards.hellobee.com/ <p>I pay the same (deductible plus estimated coinsurance for all prenatal care) but it's due by 20 weeks. It was the same with my first DD 3 years ago (same OB practice). And unfortunately, like you, I've already satisfied my deductible through other appointments/costs (mainly MFM) so the OB owes me most of it back, but we won't get it until after delivery when they officially file with insurance :bummed: </p> https://boards.hellobee.com/topic/how-much-did-you-have-to-pay-your-ob-before-lampd#post-2738304 Mon, 22 May 2017 05:14:51 +0000 ElbieKay 2738304@https://boards.hellobee.com/ <p>My entire pregnancy cost $50.</p> <p>I spent extra on some consultations (three at $50 each) to interview new providers since I changed OBs partway through my pregnancy. But that was my choice. </p> https://boards.hellobee.com/topic/how-much-did-you-have-to-pay-your-ob-before-lampd#post-2738302 Sun, 21 May 2017 22:49:33 +0000 birdofafeather 2738302@https://boards.hellobee.com/ <p>@matador84: oh, I didn't read the part about the deductible. They were easily able to see what I had paid toward my deductible thus far and then give me what I owed minus that. I would not double pay that!! </p> https://boards.hellobee.com/topic/how-much-did-you-have-to-pay-your-ob-before-lampd#post-2738301 Sun, 21 May 2017 22:40:32 +0000 Mrs. Pickle 2738301@https://boards.hellobee.com/ <p>I'm also in Texas and the hospital asked me to prepay before I delivered. I refused when I registered and it wasn't a big deal fortunately. I'm glad I did because my final bill (just for me, not including baby) was less than I was quoted. </p> https://boards.hellobee.com/topic/how-much-did-you-have-to-pay-your-ob-before-lampd#post-2738300 Sun, 21 May 2017 22:24:48 +0000 Boopers 2738300@https://boards.hellobee.com/ <p>@matador84: Texas here too and I also am expected to prepay. I'm paying the estimated cost of a vaginal delivery with my ob (not including hospital fees for me and for the baby) that my insurance has set because I have not yet my deductible. The cost is less than my deductible, but still costs $2400 that we are splitting into 5 monthly payments. </p> https://boards.hellobee.com/topic/how-much-did-you-have-to-pay-your-ob-before-lampd#post-2738296 Sun, 21 May 2017 22:14:55 +0000 2littlepumpkins 2738296@https://boards.hellobee.com/ <p>@Anagram: I'm in CA and still having to prepay fwiw. </p> https://boards.hellobee.com/topic/how-much-did-you-have-to-pay-your-ob-before-lampd#post-2738294 Sun, 21 May 2017 22:07:28 +0000 Anagram 2738294@https://boards.hellobee.com/ <p>@matador84: That was a thing when I lived in Texas. All of my teacher friends had to pay their doctor and hospital before delivery--not sure by what week.</p> <p>But AFAIK, that doesn't happen in NJ--at least not on my insurance. Here, labor and delivery is a totally covered benefit--so I paid just $10 for all my doctor's visit, and the hospital stay.</p> <p>Could the policy have changed recently because of the Obamacare repeal? As you know, Texas is pretty quick to cut any benefit they can, as soon a they can legally do so. My insurance there was so, so much worse and more expensive than my coverage here, that has similar premiums. </p> https://boards.hellobee.com/topic/how-much-did-you-have-to-pay-your-ob-before-lampd#post-2738293 Sun, 21 May 2017 22:05:46 +0000 avivoca 2738293@https://boards.hellobee.com/ <p>$280 the first time and $500ish the second time. I'm still waiting for my refund check. </p> https://boards.hellobee.com/topic/how-much-did-you-have-to-pay-your-ob-before-lampd#post-2738291 Sun, 21 May 2017 22:01:52 +0000 birdofafeather 2738291@https://boards.hellobee.com/ <p>First time, copay was $150. Nothing else due until after birth. Second, I had to pay the amount that was owed by maybe week 36 or so? But I was concurrently paying down my dedication my chiropractor so everytime my balance due changed. It was very confusing. </p> https://boards.hellobee.com/topic/how-much-did-you-have-to-pay-your-ob-before-lampd#post-2738290 Sun, 21 May 2017 21:54:04 +0000 mrskansas 2738290@https://boards.hellobee.com/ <p>Nothing, prenatal care was 100% covered under my plan, thankfully </p>