We've figured our hospital birth (no complications) + epidural + two day stay will be around $25k. Our out of pocket maximum is 3k. That seems like so much to me since with our first we only had to pay around $1500 but our insurance has gone downhill since then.
What was the cost of your hospital birth? How much did your insurance cover? Did you make payments or pay in full?
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We have a $2000 deductible. We paid most of that to the ob, some of it was already paid to other doctors. We didn't have to pay anything after that.
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I don't have a co-pay for my prenatal appointments, or routine dr's appointments, so we have a $2400 deductible that we have to pay before the insurance takes over. Then they cover 90% of the cost with a $4k out of pocket max.
The average vaginal delivery with an epidural at our hospital averages between $14-$17k (and between $17k-$21k for a c-sec).
So at the minimum it'll be $2400, but shouldn't (hopefully) be all that much more on top of that. I don't know if we'll pay it all at once or in installments yet. Probably the latter, but we'll see.
(ETA: I just barely understand how the insurance/deductible/ out of pocket thing works, so hopefully the above makes sense. I had to email our insurance company a few days ago to ask them to dumb it down for me.)
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We pay a $500 deductible.
I don't even have to pay a co-pay for any of my doctors visits OR ultrasounds, even though I see a high-risk perinatologist. We have great insurance.
With my mom's insurance though, she said she had a 2k deductible with each child. She had all natural-unmedicated births and stayed one night in the hospital. -
We don't have to pay for anything but parking. DH's insurance is awesome, and we're SO SO SO thankful for it!
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Our insurance covered everything. Our copay was $500!
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I think we may have ended up paying 700 or so. Some of that was my epidural. WORTH IT.
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@FutureMrsMcK: lol, it's okay I really hate trying to understand insurance policies. Ours is the out of pocket max (3k) + $1000 deductible. Although, I think we've me our deductible for this year already.
I really wish our insurance was better but I'm grateful we even have what we do!
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@Mrs. Yoyo: Our $500 covered my epidural tooooo. SO WORTH IT!
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I had a $15 co-pay for my very first office visit, then a $20 co-pay to see the genetic counselor, and then $150 when I get admitted into the hospital for L&D... So about $185 overall.
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Our insurance covered everything...our hospital birth, c-section, recovery, etc. We had no copay!!!
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We paid about $700 to the OB at 30 weeks, which covered just about everything. I think after the birth we got a bill from the insurance company for $8.
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I got the estimate from my doctor at my first prenatal ~$260 that includes all prenatal appointments, u/s, tests, and L&D. I switched to DH's insurance last fall because of this amazing plan.
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Like @autumnlove, our insurance covered everything. I didn't have to pay for anything at all.
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Our insurance is confusing.
We have a deductible. When that is met, we have 10% co-insurance. When that is met, all medical services are covered at 100%.
Because we have a deductible, I had to pay for my OBs services by my 34th week of pregnancy. It was about $300.
That only covered my OB, though.
I had a scheduled c-section, and I think my EOB said that service was around $19,000. The anesthesia was additional, as was my 4-day hospital stay.Everything but my hospital stay was covered. We had to pay 10% of that, which was around $500.
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oh my gosh that is crazy.
I think we just got the last of our bills. It looks like it was about 8-10k for my birth. I was induced, so there was the use of pitocin, magnesium sulfate, other ivs, catheter etc. I was there two nights (admitted 4pm on 2/21, left 4pm on 2/23).
My insurance covered most it of, we'll be paying about 2k I think. We set aside several thousand in our flex spending account knowing we'd be having a baby, so it will come directly out of that, which is nice. It doesn't feel like a huge bill out-of-pocket. -
Like Autumnlove and Sweet T, insurance covered everything and I didn't have a co-pay either!
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Our insurance covered everything!
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I haven't looked into what the actual birth costs insurance, but we are lucky in that DH has unbelievable insurance through work. Only cost to us is a $250 co-pay for delivery.
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We ended up paying almost $4k. Our out of pocket family max was $5k.
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We ended up paying almost $4k. Our out of pocket family max was $5k.
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Well, if you didn't have insurance, here is the breakdown for my OB/hospital:
Obstetrical fee is $2935. This covers routine care, including:
-All of your routine OB visits to this office, up to 13 visits after the initial workup. Routine visits are typically scheduled every 4 weeks until the 28th week of pregnancy, every 2 weeks from 28-36 weeks, and weekly from the 36th week until delivery.
-The doctor’s delivery fee for a vaginal delivery of 1 infant. (Additional charge for the delivery of multiples).
-Your postpartum exam (the pap smear is an additional $60 charge).Additional Charges Related to Delivery
-Cesarean sections - $400
-VBAC births (Vaginal Birth After Cesarean) - $100
-The doctor’s fee for administering epidural anesthesia during labor - $400
-Doctor’s fee for circumcision - $405. We must have the baby’s insurance info to file a claim.So far with insurance, we have paid about $600. That covers the Obstetrical fee as you have to have that paid off by your 7th week.
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Our hospital birth cost £11. Someone stole it from my night stand in the recovery ward
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My OB was $20K (100% covered ecept for one $20 copay) and my high-risk doctor (ultrasounds at least every 3 weeks) was about 200 per visit, covered 100%. My c-section and hospital stay was above $50K, but I had complications. Plus Im in NYC, so the room fees are outrageous. I think we ended up paying like $1K of that, but then got a reimbursement
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Our out of pocket max is $2000... but we'll get $600 back through a program our insurance has called "healthy babies". So we'll pay $1,400 out of pocket. But our insurance is 100% paid for by my husbands employer, we don't pay any premiums... so it's a pretty sweet deal.
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Momma's who had insurance to pay for everything, that's amazing!!! Were your monthly premiums high though?
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@Alivoo01: nope, ours werent. DHs two companies he worked for in the time I was pregnant both had very low premiums as the company absorbed a lot of the costs.
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So far we owe.about $3500... we are waiting for my secondary insurance ti figure out what they will pay before I can say what our out of pocket will be for sure.
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I know my out of pocket max for the year is $1500, and I can’t remember what my deductible is (maybe $500 at the most?), so it will be less than $1500 total.
My insurance covers maternity at 90% with no co-pay for regular visits, and I know from reviewing the invoices/summary sheets Cigna sends that they have already been billed close to/over $10,000 by my various doctors, ultrasound people, etc. (this would include my osteopathic doctor and physical therapy firm for my hip pain). I have no idea how much they will be billed for my delivery. The birthing unit at the hospital is brand new and I’m sure those private rooms with Jacuzzi tubs, flat screen TVs, wireless fetal monitoring, free room service and surround sound DVD/cable cost a lot of pretty, pretty pennies!!!
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I have awesome insurance: my hospital birth (induced, vaginal with epidural), 3 routine ultrasounds, 1 biophysical profile ultrasound, and all prenatal and postpartum visits cost me a total $10
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Never saw a bill or paid a copay with anything, even my OB visits. This is the greatest thing about Wagon Sr. working in academia-- the insurance is not that expensive and it's always so comprehensive. It was better when he was at Harvard but at his current school it's still totally comprehensive, just a little more expensive.
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With our insurance our cost should be $250 for everything--OB visits, blood tests, u/s, hospitalization and natural or c-section birth.
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i'm curious about the health insurance premiums for those who doesn't have to pay anything.
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Hmm I'm going to call my doctors office and insurance to make sure I understood correctly but we have $1000 family deductible + 90% coverage and the $3000 out of pocket max so the most we should pay would be $4000. We have that put aside but that number just makes me want to cry!
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@HeatherlovesKenny: With our insurance the deductible is part of the out of pocket max. So my deductible is $600 and my OOP max is $2,000. I will never pay more than $2,000... not $2,600 so I would double check that.
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@MamaMoose: I just called them again and they told me the out of pocket max excludes my deductible
Good news is that I called my hospital and they told me I get a 40% discount for paying within 30 days after the birth!
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I was uninsured with my daughter and paid a small fortune- I think it was around $10,000 when you added together my OB, the hospital, pediatrician initial, epidural, labs, ultrasounds, etc. There is a huge difference between cash payment cost and insurance cost, though. I think if you took my same $10,000 out of pocket birth and billed it through insurance it would have easily come out to double that.
This time around I have amazing insurance. I paid $25 copay for my initial consult and everything else is covered. I just got a bill that I have a $50 copay for an ultrasound, though, since I had to go for a second consult since they couldn't get all the pics they needed the first time. Still, I'll take $75 over $10,000!
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Oh, and my premium is around $104 per month to cover myself and my daughter for those who were curious about premiums.
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Wowee. My jaw is dropped to the ground as I'm reading this thread.
What is co-pay?
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@MegWag: someone stole money off your nightstand seriously?!!??! Who does that?!?!?!
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