https://boards.hellobee.com/ Pregnancy, Baby and Parenting blog, by Hellobee en Fri, 08 May 2026 05:44:38 +0000 https://boards.hellobee.com/topic/paying-for-lampd#post-151392 Tue, 08 May 2012 09:35:58 +0000 WiLLoWtReE 151392@https://boards.hellobee.com/ <p>@ mamamoose- mine works the same way. I haven't received my L&amp;D bill yet since I just delivered on 4-20 but i already paid the bill from my OB. I wonder how they would go about charging for L&amp;D ahead of time since there's no way to tell what services you will actually receive i.e. vaginal birth vs. C section etc? </p> https://boards.hellobee.com/topic/paying-for-lampd#post-151322 Tue, 08 May 2012 09:04:10 +0000 mrsjyw 151322@https://boards.hellobee.com/ <p>I haven't gotten any notices for a payment plan. (12.5 wks)</p> <p>I know we have a $250 bill we have to pay for L&amp;D, but not sure when that will be~ </p> https://boards.hellobee.com/topic/paying-for-lampd#post-151285 Tue, 08 May 2012 08:32:27 +0000 LuLu Mom 151285@https://boards.hellobee.com/ <p>Yes that's how mine is, I'm actualy on a 6 month plan, and it will be done in August which is 2 months before my due date. We will get the hospital billed to us afterwards, however I think we should have our deductible pretty much met by that point! </p> https://boards.hellobee.com/topic/paying-for-lampd#post-151228 Tue, 08 May 2012 07:38:04 +0000 winniebee 151228@https://boards.hellobee.com/ <p>@highwire: my personal health plan is way better (100% coverage) but for the family plan even at 80/20 DH has a better plan cost wise -- mine is pretty cost prohibitive for the family plan. Good news is we can upgrade DHs plan come January for a very small cost. </p> https://boards.hellobee.com/topic/paying-for-lampd#post-151222 Tue, 08 May 2012 07:31:17 +0000 T.H.O.U. 151222@https://boards.hellobee.com/ <p>We had to pay the OB by halfway (20 weeks). It came out to about $500 (our 20% portion). We then had to pay the hospital bill (one for me one for her) and the anesthesiologist. </p> https://boards.hellobee.com/topic/paying-for-lampd#post-151192 Tue, 08 May 2012 03:39:41 +0000 looch 151192@https://boards.hellobee.com/ <p>What happens if you don't pay? Are you unable to deliver in the place you have chosen...is it a hospital or a free standing birth center? What if your OB isn't on call, and you have to deliver with someone else? </p> https://boards.hellobee.com/topic/paying-for-lampd#post-151182 Tue, 08 May 2012 01:44:27 +0000 regberadaisy 151182@https://boards.hellobee.com/ <p>I did not have to prepay and honestly never heard of it till the boards. </p> https://boards.hellobee.com/topic/paying-for-lampd#post-151088 Mon, 07 May 2012 19:45:35 +0000 heffalump 151088@https://boards.hellobee.com/ <p>@highwire: It wasn't too big of a deal, and I really don't mind paying ahead of time. I understand that some people didn't pay them and they don't want that to happen to them again. </p> https://boards.hellobee.com/topic/paying-for-lampd#post-151076 Mon, 07 May 2012 19:35:17 +0000 calsmom 151076@https://boards.hellobee.com/ <p>We were told we owed 2 months before his birth. We paid the Ob half of the remaining deductible. When we were checking out of the hospital, my husband went to billing and they said it is okay for them to bill us. We feel more comfortable going that route, because what they wanted was waaaaay too much considering our Ob had yet to submit the money to insurance (or however it works). </p> https://boards.hellobee.com/topic/paying-for-lampd#post-151064 Mon, 07 May 2012 19:21:32 +0000 mamabolt 151064@https://boards.hellobee.com/ <p>I am 34 weeks and haven't paid anything to my midwives yet for routine care - only have paid for labwork/ultrasounds. I have no idea how/when the midwives will bill me, but I am pretty sure I'll get the bill from the hospital post delivery. </p> https://boards.hellobee.com/topic/paying-for-lampd#post-151014 Mon, 07 May 2012 18:03:18 +0000 Dr. Pepper 151014@https://boards.hellobee.com/ <p>I'm not pregnant yet, nor have I had any kids yet, but this topic confuses me. Say you were out of town for the weekend and went into labor and delivered at another hospital and with another doctor. What happens if you've already payed someone else? Do they refund you? I'm sure it doesn't happen too commonly but working in a hospital, I've seen people who were in town for a funeral who've gone into labor and are too far away from home, so they come to us... </p> https://boards.hellobee.com/topic/paying-for-lampd#post-150978 Mon, 07 May 2012 17:13:32 +0000 chopsuey 150978@https://boards.hellobee.com/ <p>Insurance covered my doctor fees and all of my hospital fees. I just paid a $500 deductible to the hospital after the baby was born. </p> https://boards.hellobee.com/topic/paying-for-lampd#post-150965 Mon, 07 May 2012 17:04:10 +0000 MamaMoose 150965@https://boards.hellobee.com/ <p>@highwire: I would confirm. Mine covered the doctor's charges for being at the birth but not the hospital's charges, medicines, infant care all that good stuff. My plan is 80/20 too but we have a 2k out of pocket maximum. Phew! </p> https://boards.hellobee.com/topic/paying-for-lampd#post-150951 Mon, 07 May 2012 16:45:15 +0000 DillonLion 150951@https://boards.hellobee.com/ <p>@winniebee: Same. Mine is an 80/20 plan. </p> https://boards.hellobee.com/topic/paying-for-lampd#post-150950 Mon, 07 May 2012 16:44:17 +0000 winniebee 150950@https://boards.hellobee.com/ <p>I will get a bill from the hospital for any care that my insurance does not cover (and begrudgingly, am switching to my husband's insurance at the birth because it works out better in the long run, though his plan only covers 80% of maternity services....) </p> https://boards.hellobee.com/topic/paying-for-lampd#post-150947 Mon, 07 May 2012 16:41:44 +0000 DillonLion 150947@https://boards.hellobee.com/ <p>@artbee: Wow! </p> https://boards.hellobee.com/topic/paying-for-lampd#post-150946 Mon, 07 May 2012 16:41:03 +0000 heffalump 150946@https://boards.hellobee.com/ <p>We had to pay everything by 20 weeks. </p> https://boards.hellobee.com/topic/paying-for-lampd#post-150942 Mon, 07 May 2012 16:33:08 +0000 DillonLion 150942@https://boards.hellobee.com/ <p>@MamaMoose: She called it L&amp;D? Is that just the doctor's charges for attending the birth? </p> https://boards.hellobee.com/topic/paying-for-lampd#post-150937 Mon, 07 May 2012 16:23:15 +0000 MamaMoose 150937@https://boards.hellobee.com/ <p>@highwire: I hate to tell you this but if your bill from your OB is anything like mine it has nothing to do with L&amp;D. My doctor sent me a very similar notice to what you are describing. A monthly payment plan. But that just covered my pre-natal care from the OB. The hospital's L&amp;D charges are completely separate and I will be billed after the birth. </p> https://boards.hellobee.com/topic/paying-for-lampd#post-150930 Mon, 07 May 2012 16:12:33 +0000 lemondrop 150930@https://boards.hellobee.com/ <p>@highwire: we never had pre-payment for anything. Every bill we got during pregnancy and delivery was after the fact, so I'm not familiar with pre-paying anything. </p> <p>Trusting souls that they are ;) </p> https://boards.hellobee.com/topic/paying-for-lampd#post-150928 Mon, 07 May 2012 16:10:41 +0000 DillonLion 150928@https://boards.hellobee.com/ <p>@lemondrop: Yeah, I need to talk to my insurance company still. Is the pre-payment just for routine L&amp;D costs? What about any emergencies that come up, etc.? </p> https://boards.hellobee.com/topic/paying-for-lampd#post-150926 Mon, 07 May 2012 16:08:51 +0000 lemondrop 150926@https://boards.hellobee.com/ <p>Not for us, we didn't go over anything payment related at my OB appointments. I was billed during the pregnancy for a small percentage of the various lab work and ultrasounds. </p> <p>About a month after delivery we got a bill for myself from the hospital and two weeks later a bill for the baby for the work the pediatrician did at the hospital. They had payment plan options, but together it was a bit over $500, so we covered one per month and were fine. </p> <p>I guess since everyone's insurance is different, it is worth contacting them. My husband works for the county and we have their insurance plan, so we weren't really concerned about it. </p> https://boards.hellobee.com/topic/paying-for-lampd#post-150925 Mon, 07 May 2012 16:08:16 +0000 Mrs. Cat in the Cradle 150925@https://boards.hellobee.com/ <p>Honestly, we have enough to worry about. They know who we are, and where we live. When they want payment, I'm sure we will hear about it. </p> <p>It certainly isn't the approach everyone takes, but it works for us right now. :-) </p> https://boards.hellobee.com/topic/paying-for-lampd#post-150922 Mon, 07 May 2012 16:04:35 +0000 yoursilverlining 150922@https://boards.hellobee.com/ <p>Hmm, that isn’t how it works for me. I will just get billed after the hospital, OB and LO’s doc determine what insurance covers and what I owe. LO isn’t covered under my insurance as soon as she is born; she incurs her own charges, so they have to wait for me to add her to one of our plans before they can bill us for her charges.</p> <p>My insurance covers 90% of everything prenatal/maternity/delivery, with an out of pocket max of $1500. I can’t remember my deductible. </p> https://boards.hellobee.com/topic/paying-for-lampd#post-150921 Mon, 07 May 2012 16:02:36 +0000 Mrs. Cat in the Cradle 150921@https://boards.hellobee.com/ <p>@highwire: Not at all! We were worried that it would be 3,000 out of pocket, but it really seems like it is the 300 deductible. The catch with our plan, though, is that there is no coverage for out of network providers, and we seem to need referrals for everything. </p> https://boards.hellobee.com/topic/paying-for-lampd#post-150914 Mon, 07 May 2012 15:55:13 +0000 DillonLion 150914@https://boards.hellobee.com/ <p>@elgato: They just sent me the payment plan, and I'm not even 12 weeks yet! Mine is 20% co-insurance responsibility plus a $500 deductible...so $875ish. My employer covers my insurance premium 100%, so I guess this isn't too bad overall. </p> https://boards.hellobee.com/topic/paying-for-lampd#post-150913 Mon, 07 May 2012 15:55:03 +0000 mediagirl 150913@https://boards.hellobee.com/ <p>Yup, that was the norm for us. My OB gave us a statement about what things would cost if we don't have insurance. They would bill insurance and then bill us for whatever insurance didn't pay for. We had to finish paying for our visits by the 7th month. We got billed in three installments. </p> https://boards.hellobee.com/topic/paying-for-lampd#post-150910 Mon, 07 May 2012 15:53:44 +0000 Mrs. Cat in the Cradle 150910@https://boards.hellobee.com/ <p>I'm 28 weeks in, and haven't been billed. Our insurance seems to be pretty average, but when my husband called to inquire, we were told it would be 300 dollars out of pocket. It seems that their maternity coverage is at least more than adequate! I will believe it when I see it, though. </p> https://boards.hellobee.com/topic/paying-for-lampd#post-150908 Mon, 07 May 2012 15:51:52 +0000 sorrycharlie 150908@https://boards.hellobee.com/ <p>I'm honestly not sure. I know that we have a $250 co-pay for delivery and that's supposed to be it, and I believe we can pre-pay that or pay when we check-in. I want to look into what is covered if there are complications, NICU stay, etc, though to be prepared. </p> https://boards.hellobee.com/topic/paying-for-lampd#post-150907 Mon, 07 May 2012 15:51:17 +0000 DillonLion 150907@https://boards.hellobee.com/ <p>@Arden: Thanks! </p>