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I just went online to check something regarding medical insurance. Our plan is a pretty good plan, low deductible and pretty low OOP max. And yet somehow my blood test was billed at 27k and my responsibility is 21k.

@2littlepumpkins: Whaaaaat. My doc said he's seen people get billed like 6K but wow. Hopefully this is a clerical limbo while the rest is still processing!! I'm guessing you are seeing this on your insurance site because you phrased it as 'your responsibility' and not that you got billed. It's possible you'll have to pay what's left of your MOOP and the testing company will write the rest off. I'd start by calling the testing company and just letting them know what you see and asking what your bill is/will be. Depending on what they say, you can call your insurance company. Most reps are hourly workers following scripts, so they may not be able to answer why it is the way it is but can help you with opening a formal appeal. Good luck!

@2littlepumpkins: I"ve posted this on a few other threads but in case you find this useful:
If the charges were for the genetic testing:
So we have a HDHP with a family deductible of $4000. We did the Panorama test and the explanation of benefits mailing said the test was $8000 which was covered, but my responsibility/the contracted rate was $650. Yikes. Our deductible rolled over Jul 1 so I knew we weren't going to hit the deductible even with this big potential bill.
So I called my OB, and they referred me to their contact from Panorama/ Natera. She said, ok well yeah you either pay the $650 and it goes towards your deductible. OR if they hadn't run it through your insurance our cash rate is $250. Um, wuut. So I told her that Id just rather pay the cash rate since we weren't going to hit our deductible anyway.
I have yet to get a bill from the lab. So I don't know if Natera is slow, or what. But basically when I get a bill from Natera for $650, I was told to call the Natera contact back, they will cancel the charge, and I will just pay Natera $250 directly

@2littlepumpkins: Ugh, that's who we used and haven't gotten our bill yet. I was assured that it's like $100 if you pay immediately. That's so ridiculous. Please update! Fingers crossed for you.... and us.

@MrsTal: congrats on your boys!! You look beautiful!!

@MrsTal: Congratulations on your boys! Sorry you're still not feeling well. You look great!

@MrsTal: congrats on your boys!! You look great. Hope you start
feeling better soon. Uti's suck.

@MrsTal: we're having all three share!! Were doing a bunk bed and a crib. There will also be dd's old twin next door in the office and then there's a queen bed in the guest room downstairs, and the pnp will be in our room but of course is portable. We did an arms reach last time but I didn't keep it so we'll use the old pnp which actually we bought when dd was a toddler and ds barely used it at all. Our first two are very happy sharing (we used to live in two bedrooms this past year so they had to) and we like having an office complete with my dd's craft area. They basically use the room just for sleep and can spread out when sick or whatever.

My husband and I live in a one bedroom on the college campus where we serve as chaplains. The baby will be in our room for the first 6 months and then hopefully after that a two bedroom will be open for us to move into on campus. If not we will wait another year and make things work between our room and our living room. It would not be ideal, but I'm confident we can make it work!

So we aren't doing any nursery decorating but we did buy the baby his own wardrobe that fits in our room and a changing table off of craigslist that works in our bathroom. We registered for a mini crib with wheels and that should cover baby furniture.

We also had our anatomy scan today everything looks "boringly normal" per the tech and we found out its a boy. We are both ecstatic. My husband really wanted a boy to the point that I wanted a boy just because of how excited he was. But I am mostly greatful for how uneventful my preganacy has been. My mother had a terrible time concieving and carrying, so the normalness has been a gift to the whole family.

They are doing this over on the feb 2018 board. Anyone interested? I'm going to fill it out once I get LO down

1. How far along today?
2. If you could pick your delivery date what would you pick?
3. Gut feeling on boy or girl? Will you find out?
4. What maternity clothing style do you love/hate the most?
5. What baby gear item will you start researching or purchase first?

Dec 2017 Due Dates!

2: tramdoof (#1)
4: Run2shore (#2 & #3)
5: Tanjowen (#2)
9: MrsTal (#2 & #3)
21: kayla0416 (#2)
23: littlebit7 (#2)
26: PawPrints (#2)
27: starchild (#1)
30: Eko (#2)
31: 2littlepumpkins (#3)

I can't C&P and I'm sort of doing the recent updates by memory so I apologize if I missed anyone!! Please let me know/correct it!

1. How far along today? 16+1
2. If you could pick your delivery date what would you pick? As early as possible without missing Christmas! Somewhere around 12/10 (37w) would be awesome, but very unlikely. Baby measured a couple days ahead last week so I actually would not be surprised if we are in the hospital around Christmas. The earliest they will induce is 39w which happens to be Christmas Eve. I have something in January so that's why I'm hoping early! Plus not gonna lie, I love the baby but not pregnancy.
3. Gut feeling on boy or girl? Will you find out? It's a girl according to the first trimester blood test.
4. What maternity clothing style do you love/hate the most? This pregnancy I am just not liking any of them at all. Once the first trimester bloat went down I could button my pants again, but so far I am mostly buying fits for now and postpartum clothes, haha!
5. What baby gear item will you start researching or purchase first?
Breast pumps. I FF'd my first two. The first I tried to nurse and pumped for six weeks, but the second I didn't due to medical issues. This one I hope to combo feed. Other than that, I'm honestly not wanting to buy all that much. We'll need a place to put the baby out of the way of the siblings downstairs, maybe a swing, bottles, pacis. I don't want to overdo it before she gets here though.

How far along today? 16w3d

2. Delivery date: I am hoping to get induced again early.. which would be 12.16. If I could be home for Christmas that would be great.

3. Boy or girl? It's a girl! I knew it too.

4. Maternity cloths: I've been living in dresses. I can't wait for the day when it cools off and I can wear leggings all day every day.

5. Baby gear items: I put together a registry already and the one thing I researched the most was a baby carrier. We used the bucket and stroller a lot with DS, but I think it's impractical for us this time. Plan is to baby carry as much as possible and next summer I may see about a new stroller. I had the ktan with D'S and didn't like it because he got too overheated. Then we had the ergo which wasn't the best because it wasn't the 360. I ended up going for the lillebaby this round.

1. How far along today? 17+5
2. If you could pick your delivery date what would you pick? Due 12/21, and like everyone else, would love to stay as far from Christmas as possible! Around 12/10 would be great.
3. Gut feeling on boy or girl? Will you find out? Team Green! I've been kind of feeling like it's a girl, but I was convinced our daughter was a boy the whole time, so I told DH not to trust my judgement haha.
4. What maternity clothing style do you love/hate the most? I hate any maternity pants/shorts that DON'T have the full belly panel. The shorter ones just hit at an awkward spot and hurt and/or don't stay up. So annoying. Finally caved and wearing maternity pants today! I had been holding out just doing unbuttoned pants with belly bands, but it's definitely time to make the switch.
5. What baby gear item will you start researching or purchase first? DD will only be 20 months, so we're getting a second crib and some sort of chair for the nursery. Will also need a second monitor, a few bottles, and clothes (even if it's another girl, they'll be opposite seasons, unfortunately.) We got ALL the baby stuff with DD and pretty much everything gender neutral since we were team green with her too, so we don't need too much besides setting up the new nursery!

@Eko: I was just talking about this with a friend. I loooove going to cut one down in the Hudson valley but that might not be feasible. Plus we now have a land of nod kids table where our tree once stood...hmm. we might just get a table top tree this year and have it be DDs tree. Something special just for her as the baby's arrival approaches.

@starchild: that sounds really cute!

@Eko: We just buy a tree and do lights and some decorations around the house. Not sure if we will do outside lights as last ear was the first year we did and we had a much smaller house. But other than that we're planning on business as usual.

@PawPrints: similar approach and now that we've moved into a home with enough storage I think we're going to become fake tree people too! So much less work, and less vacuuming! We took the same kind of approach with baby #2, that the baby had to mostly go with the existing commitments, etc., and dd did well and I avoided PPD. So that's the plan.

@Eko: We are fake tree people in our house. We usually decorate early thanks to DH's job (he's usually gone over Christmas), so my plan is to put up at least the tree and outside decorations Thanksgiving weekend. Hopefully by the time Christmas rolls around I'll be feeling pretty good and can do our Christmas pj boxes and some inside decorating I like to do for the holidays.

@Tanjowen: ummmmm Thanksgiving weekend is prime Christmas decorating weekend! (Baby or not haha)

@Eko: Welcome to the dark side.

Anyone else's doctor already order the GD test? I feel like it's way early but she gave me both second trimester blood work and GD test sheets to bring to the lab. This new dr is the only one I've had that doesn't just draw the blood in office. I also have my anatomy scan booked for 8/8, which is exciting. My old OB also did those in office, a specialist was at their office once a week and just did US all day. Hopefully everything is ok in there! I feel way behind those of you who already had it done, haha.