https://boards.hellobee.com/ Pregnancy, Baby and Parenting blog, by Hellobee en Mon, 11 May 2026 18:24:45 +0000 https://boards.hellobee.com/topic/pay-two-deductibles-if-pregnant-in-2-years#post-1056070 Fri, 30 Aug 2013 15:01:25 +0000 Mrsbells 1056070@https://boards.hellobee.com/ <p>Maternity was covered for me so I didnt have a deductable just a $150 a day copay for hospital stay </p> https://boards.hellobee.com/topic/pay-two-deductibles-if-pregnant-in-2-years#post-1056069 Fri, 30 Aug 2013 15:00:52 +0000 Mae 1056069@https://boards.hellobee.com/ <p>@wonderstruck: Oh I know!! I got a UTI overnight once and went to the ER because I was hoping to make a work meeting in the morning. Yea.... like 700 later........... (When I go to my normal doc, they don't charge me for stopping by to pee in a cup and running the culture costs $1.37). </p> https://boards.hellobee.com/topic/pay-two-deductibles-if-pregnant-in-2-years#post-1056064 Fri, 30 Aug 2013 14:59:20 +0000 wonderstruck 1056064@https://boards.hellobee.com/ <p>@Mae: Yeah, just try not to have an ER trip...I thought all I'd have to pay for were ultrasounds and such. Then I got kidney stones during my first trimester and ended up with an $800 hospital bill! Ouch. So if there is an emergency where you're worried or in pain, I highly recommend trying to see your regular midwife/obgyn. I couldn't believe how much more that ER visit cost! </p> https://boards.hellobee.com/topic/pay-two-deductibles-if-pregnant-in-2-years#post-1055881 Fri, 30 Aug 2013 14:00:56 +0000 Dandelion 1055881@https://boards.hellobee.com/ <p>@Mae: Good news and bad news! More good news, though...glad things are going to be fairly simple for you! </p> https://boards.hellobee.com/topic/pay-two-deductibles-if-pregnant-in-2-years#post-1055843 Fri, 30 Aug 2013 13:46:57 +0000 Mae 1055843@https://boards.hellobee.com/ <p>UPDATE: I sucked it up and called my insurance to see what was up. So what they told me was--- yes I have to pay 2 copays (one for each year) because I pay for things based on the year they are billed regardless of it being for the same "condition." </p> <p>However--- I was told that because of Obamacare all of my routine prenatal visits, screenings, and blood work are covered 100% with no copay or deductible to meet first. The only thing not covered at 100% are ultrasounds (which I have to meet the deductible for) and any not-routine stuff (extra screening due to concern over a risk factor, etc). </p> <p>So, I'm pretty happy with that. We'll end up paying for the ultrasounds this year but according to insurance they should only be about $200-300 each so it's not *that* big a deal-- especially if we're not also paying $30 per office visit + out of pocket for all my blood work like I was expecting! </p> https://boards.hellobee.com/topic/pay-two-deductibles-if-pregnant-in-2-years#post-1055797 Fri, 30 Aug 2013 13:30:15 +0000 pinkb 1055797@https://boards.hellobee.com/ <p>I wasnt pregnant for part of 2 years but I had LO on 12/31/12 and then had follow up care after in 2013. We had to meet the deductible for both years. :( For us it was only the hospital stay that we were mostly responsible for because all prenatal and after baby care at the Dr office is covered. </p> https://boards.hellobee.com/topic/pay-two-deductibles-if-pregnant-in-2-years#post-1055791 Fri, 30 Aug 2013 13:28:51 +0000 birdofafeather 1055791@https://boards.hellobee.com/ <p>My OB told me what I was going to owe which was basically a low copay even though I had a $1000 deductible. So I paid that and then everything else came through after I had her. Didn't have to pay two deductibles. She was born two weeks into 2013 so I had ALL my prenatal care in 2012 minus 1 visit. </p> https://boards.hellobee.com/topic/pay-two-deductibles-if-pregnant-in-2-years#post-1055789 Fri, 30 Aug 2013 13:28:04 +0000 deerylou 1055789@https://boards.hellobee.com/ <p>I got pregnant in October, and delivered in July. I paid two deductibles, since my pregnancy spread across two calendar years. Ugh, the irritation my insurance causes me.... </p> https://boards.hellobee.com/topic/pay-two-deductibles-if-pregnant-in-2-years#post-1055759 Fri, 30 Aug 2013 13:17:42 +0000 lovehoneybee 1055759@https://boards.hellobee.com/ <p>I would definitely talk to your insurance company. </p> <p>For me, my insurance covers all prenatal care--appointments, labs, ultrasounds, etc. L&amp;D is categorized as an in-hospital stay, and as such with my plan is not covered until the deductible is met ($2400), and then it's covered at 90% up to a max out of pocket of $4k. So even though I was pregnant during two different calendar years I only had to pay one deductible because all of my prenatal care was covered. </p> https://boards.hellobee.com/topic/pay-two-deductibles-if-pregnant-in-2-years#post-1055714 Fri, 30 Aug 2013 13:06:13 +0000 kjpugs 1055714@https://boards.hellobee.com/ <p>I don't have this issue (the type of insurance I have, and also pregnant January through hopefully October) but I know my friend did have this issue. They were one cycle away from IVF though so when they were told they'd have to meet their deductible twice they weren't that upset... since it was better than THOUSANDS! Hope yours isn't too bad :( </p> https://boards.hellobee.com/topic/pay-two-deductibles-if-pregnant-in-2-years#post-1055686 Fri, 30 Aug 2013 12:58:48 +0000 purrpletulips 1055686@https://boards.hellobee.com/ <p>It really depends upon how your insurance processes things and when your insurance plan resets; I suggest calling and asking them. With DD I was pregnant across two calendar years but they process pregnancy/birth as one event so I paid my $10 copay at my first prenatal visit and then nothing else; however my insurance plan did not change although the insurance year restarts on Jan 1. Although DS did not cross calendar years if he had then it would have been different because I went from not having a deductible to having one so I would have had to meet the deductible had his birth crossed calendar years. </p> https://boards.hellobee.com/topic/pay-two-deductibles-if-pregnant-in-2-years#post-1055655 Fri, 30 Aug 2013 12:50:37 +0000 MrsH 1055655@https://boards.hellobee.com/ <p>@Mae: yup, high deductible plans rock. Thankfully my work gives us some money to cover a portion of that. </p> <p>@thismustbetheplace: :) Exactly. So that should get LO through the first year without having to pay for much else health care wise. </p> https://boards.hellobee.com/topic/pay-two-deductibles-if-pregnant-in-2-years#post-1055543 Fri, 30 Aug 2013 12:05:24 +0000 mamabolt 1055543@https://boards.hellobee.com/ <p>I got pregnant in Sept, delivered in June, and had to meet my deductible twice. All prenatal care was billed lump sum after delivery, but I had bloodwork and NT scan in the previous year that was quite expensive. </p> https://boards.hellobee.com/topic/pay-two-deductibles-if-pregnant-in-2-years#post-1055532 Fri, 30 Aug 2013 12:01:27 +0000 babynumber1 1055532@https://boards.hellobee.com/ <p>We were the same as @jodyblair</p> <p>Pregnant in Sept and delivered in May with only 1 deductible (thank goodness!) </p> https://boards.hellobee.com/topic/pay-two-deductibles-if-pregnant-in-2-years#post-1055484 Fri, 30 Aug 2013 11:48:12 +0000 sunshineandsushi 1055484@https://boards.hellobee.com/ <p>@Mae: The two ultrasounds that were routine, I didn't even have to pay the copay for. But since I was high risk with twins, I had a lot of extra monitoring and ultrasounds. So for those, they would get billed to my insurance, but I only ever had to pay a copay at the office visit when I had them done. I think that the OB must have billed for those with everything else once I delivered, but by then, I had already hit my deductible with the delivery, so it was covered. </p> https://boards.hellobee.com/topic/pay-two-deductibles-if-pregnant-in-2-years#post-1055464 Fri, 30 Aug 2013 11:42:01 +0000 thismustbetheplace 1055464@https://boards.hellobee.com/ <p>@MrsH: at least there's somewhat of a silver lining.... having met your deductible in January you should have a year of essentially free healthcare! ;-) I know that's no real consolation though... </p> https://boards.hellobee.com/topic/pay-two-deductibles-if-pregnant-in-2-years#post-1055448 Fri, 30 Aug 2013 11:37:54 +0000 Mae 1055448@https://boards.hellobee.com/ <p>@MrsH: omg 4,000! And I thought we had it bad. That sucks!! :( </p> https://boards.hellobee.com/topic/pay-two-deductibles-if-pregnant-in-2-years#post-1055445 Fri, 30 Aug 2013 11:37:16 +0000 MrsH 1055445@https://boards.hellobee.com/ <p>@Mae: I'm due in January. We have to meet our 4000 dollar deductible each year - it doesn't matter if the condition started in a different year unless you have some plan or doctor where you pay for it all in a lump sum. </p> https://boards.hellobee.com/topic/pay-two-deductibles-if-pregnant-in-2-years#post-1055401 Fri, 30 Aug 2013 11:29:41 +0000 MamaMoose 1055401@https://boards.hellobee.com/ <p>I ended up paying two out of pocket maxes because I had five (count them FIVE) trips to the ER during my pregnancy which spanned two calendar years. This will all depend on how and WHEN your providers submit the bills. </p> https://boards.hellobee.com/topic/pay-two-deductibles-if-pregnant-in-2-years#post-1055399 Fri, 30 Aug 2013 11:29:22 +0000 Mae 1055399@https://boards.hellobee.com/ <p>@sunshineandsushi: so for your ultrasounds-- you paid a copay but did your insurance not require you to pay out of pocket for them until you hit your deductible? Or were they also not billed to your insurance until after the delivery? </p> <p>I guess I'm just thinking even if my OB does universal bill in May-- with 2 ultrasounds (assuming I skip the 12 week one. If not-- 3!) and routine blood work, I will probably hit the $1200 deductible this year. </p> https://boards.hellobee.com/topic/pay-two-deductibles-if-pregnant-in-2-years#post-1055397 Fri, 30 Aug 2013 11:28:50 +0000 thismustbetheplace 1055397@https://boards.hellobee.com/ <p>@jodyblair: We don't require it at our practice, but we do recommend it. Our billing department calculates what your expected total is (assuming you will be meeting your deductible), and splits that total up over the 10 or so routine planned visits. You can choose to pay everything at the end before your post-partum appointment, or you can pay a portion every visit. Most patients end up doing it this way so they don't get slammed at the end with a huge bill AND a new expensive baby! The payments are basically held "unapplied" on their account until we bill the prenatal care, and then we apply them. </p> https://boards.hellobee.com/topic/pay-two-deductibles-if-pregnant-in-2-years#post-1055390 Fri, 30 Aug 2013 11:27:08 +0000 sunshineandsushi 1055390@https://boards.hellobee.com/ <p>My OB's office did a universal claim, so they didn't submit it until after I delivered (which was in January). My ultrasounds were billed separately, I just paid a copay each time I had one. Then I had a separate bill from the hospital for the delivery, but I only had to meet one deductible, fortunately. </p> <p>My OB's office did calculate what my bill would be at my first prenatal visit and I made payments each month so that by the time I delivered, it was paid off. But then since the hospital submitted their claim first, my OB bill for the prenatal care and delivery was covered at 100%, so I got that whole amount refunded to me, which was awesome. </p> https://boards.hellobee.com/topic/pay-two-deductibles-if-pregnant-in-2-years#post-1055383 Fri, 30 Aug 2013 11:25:37 +0000 Mae 1055383@https://boards.hellobee.com/ <p>@jodyblair: yea the pre-paying isn't that big a deal and I was warned about that by a friend. Luckily we have savings so its not like we CAN'T pay (and I'm so thankful that we're not in that situation). It's just that--- ugh. Draining our savings is sad. </p> https://boards.hellobee.com/topic/pay-two-deductibles-if-pregnant-in-2-years#post-1055377 Fri, 30 Aug 2013 11:24:24 +0000 Foodnerd81 1055377@https://boards.hellobee.com/ <p>@thismustbetheplace: just like you said. My pregnancy and delivery were one lump, but blood work and ultrasounds were billed for each date of service, which spanned two calendars years and therefore two deductibles to meet. Sucked but what can you do? </p> https://boards.hellobee.com/topic/pay-two-deductibles-if-pregnant-in-2-years#post-1055376 Fri, 30 Aug 2013 11:24:23 +0000 Mae 1055376@https://boards.hellobee.com/ <p>@HabesBabe: I don't know what PPO is. We have just whatever my husband's company provides. It used to be better but it has gotten progressively worse. We now have a $1,200 deductible per year before they pay a dime. Ugh. We do have a health savings account in addition to our insurance that we can (and will) put money into to be used for medical stuff that our insurance doesn't pay for and that is at least tax free... but I think this is still going to be a significant financial hit for us. </p> https://boards.hellobee.com/topic/pay-two-deductibles-if-pregnant-in-2-years#post-1055374 Fri, 30 Aug 2013 11:24:19 +0000 GrapeCrush 1055374@https://boards.hellobee.com/ <p>Ahh yes, the plan year could play into it too like @TheReelDeal: </p> <p>High deductible plans blow :( </p> https://boards.hellobee.com/topic/pay-two-deductibles-if-pregnant-in-2-years#post-1055368 Fri, 30 Aug 2013 11:23:30 +0000 jodyblair 1055368@https://boards.hellobee.com/ <p>We only had to meet our deductible for one year. But just a heads up, our OB and hospital required us to pay for all routine office visits and the estimated cost of labor/delivery/hospital stay in advance. We thought that was strange, but apparently it's pretty common. It got confusing with prepaying and then getting reimbursed by our insurance, but it all worked out in the end. </p> https://boards.hellobee.com/topic/pay-two-deductibles-if-pregnant-in-2-years#post-1055363 Fri, 30 Aug 2013 11:22:57 +0000 GrapeCrush 1055363@https://boards.hellobee.com/ <p>Unless your plan has maternity covered without being applied towards your deductible, then more than likely you'll be responsible for the deductible for both years. The only way to find out 100% is to call your insurance company, or look at your plan book(SPD) </p> https://boards.hellobee.com/topic/pay-two-deductibles-if-pregnant-in-2-years#post-1055360 Fri, 30 Aug 2013 11:22:44 +0000 TheReelDeal 1055360@https://boards.hellobee.com/ <p>I would call your insurance company for sure. Your mom is right about pregnancy being one condition, but you need to know how your deductible is calculated. Does it run (calendar year) Jan 1-Dec 31? Or does it follow a plan year say if your employer's plan is effective July 1, then it would be Jul 1-Jun 30 when you would have to meet your deductible so it wouldn't necessarily start again.</p> <p>Sorry for all the insurance speak :wink: </p> https://boards.hellobee.com/topic/pay-two-deductibles-if-pregnant-in-2-years#post-1055353 Fri, 30 Aug 2013 11:21:58 +0000 HabesBabe 1055353@https://boards.hellobee.com/ <p>@Mae: I only had to pay for one office visit ($15) and the hospital stay fee ($150)-- the year before, it was office visit only, so I missed out on that! LOL. Do you have PPO? </p>