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TheDivineMrsM
2 girls 4 me!
Member since 8/08 7878 total posts
Name:
Mama mama mama....
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Does anyone have the Empire Plan as their insurance?
DH and I used to have separate insurance through our jobs. I switched to DH's insurance when I went out on maternity leave with DD, and I don't think I'm switching back when I go back to work. We're planning ahead for when we have #2.
What did your hospital stay cost when you had your DC?
If you chose an OB that was out of network, what did prenatal visits cost?
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Posted 4/1/12 7:50 PM  |
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Domino
Always My Miracle
Member since 9/05 9923 total posts
Name:
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Re: Does anyone have the Empire Plan as their insurance?
my hospital stay cost nothing...I did not use an ob out of network. However I was high risk and those $20 copays really added up!
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| Posted 4/1/12 8:02 PM |
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Reese32
LIF Adult
Member since 7/07 3631 total posts
Name:
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Re: Does anyone have the Empire Plan as their insurance?
I didn't pay anything for my hospital stay. Also, I think I paid the $20 copay for my initial dr.'s visit, but everything else was considered "follow-up," so I didn't have to pay again.
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| Posted 4/1/12 8:03 PM |
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Crunchewy
LIF Adult
Member since 10/08 1232 total posts
Name:
A
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Re: Does anyone have the Empire Plan as their insurance?
Posted by Domino
my hospital stay cost nothing...I did not use an ob out of network. However I was high risk and those $20 copays really added up!
Same. I think we spend $400-$500 on my high risk dr. Appointments. ( I saw her 2 a week)
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| Posted 4/1/12 8:22 PM |
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allIwant
Love my crazy life!
Member since 1/10 9170 total posts
Name:
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Re: Does anyone have the Empire Plan as their insurance?
Posted by Domino
my hospital stay cost nothing...I did not use an ob out of network. However I was high risk and those $20 copays really added up!
This although until you said something i didn't really think about it. I was going at least 1x week from 10 weeks on
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| Posted 4/1/12 8:25 PM |
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LMFitz
life is good
Member since 5/05 2013 total posts
Name:
L
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Re: Does anyone have the Empire Plan as their insurance?
Hospital stay was nothing for me - but DS's NICU doctor was out of network, so cost us about $750. Kind of sucked.
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| Posted 4/1/12 9:17 PM |
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headoverheels
s'il vous plaît
Member since 6/07 42079 total posts
Name:
LB
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Re: Does anyone have the Empire Plan as their insurance?
My hospital stay was nothing, but I had to pay $200 at discharge for DD - I forget why.
My OB was in network - I actually switched from SB midwives because they stopped taking the empire plan  and I couldn't afford the OOP costs
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| Posted 4/1/12 9:33 PM |
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Lucky
Growing up fast!
Member since 4/07 12683 total posts
Name:
Dawn
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Re: Does anyone have the Empire Plan as their insurance?
Hospital plan would have been nothing but I opted for a private too room and they are $$ so I had to pay it.
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| Posted 4/1/12 9:37 PM |
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hotsauce345
my love, my life, my son
Member since 1/09 4169 total posts
Name:
Melody
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Re: Does anyone have the Empire Plan as their insurance?
nothing and $10 co-pay
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| Posted 4/1/12 9:37 PM |
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allIwant
Love my crazy life!
Member since 1/10 9170 total posts
Name:
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Re: Does anyone have the Empire Plan as their insurance?
Posted by LMFitz
Hospital stay was nothing for me - but DS's NICU doctor was out of network, so cost us about $750. Kind of sucked.
Same thing happened to us...Not sure if you paid already but I fought it and won!
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| Posted 4/1/12 9:51 PM |
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dbleplay17
My 2 boys!
Member since 10/06 4578 total posts
Name:
Chrissy
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Re: Does anyone have the Empire Plan as their insurance?
I paid nothing for my hospital stay....but out of network drs are tricky. I had an in network OB
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| Posted 4/1/12 10:45 PM |
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Champ
2 little ladies
Member since 1/11 2918 total posts
Name:
Rose
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Re: Does anyone have the Empire Plan as their insurance?
I think I paid $70 for a hospital co-pay after the fact. I paid $20 once for my OB and that 1 copay is still riding any follow up visits I'm having now 7 months PP. However, I was high risk and the last 2 months I was there 1 to 2 times a week and that was $20 a visit. and$40 if I had a sono.
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| Posted 4/2/12 3:32 AM |
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NervousNell
Just another chapter in life..
Member since 11/09 54921 total posts
Name:
..being a mommy and being a wife!
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Re: Does anyone have the Empire Plan as their insurance?
It's going to depend on your plan.
I have Empire for hospitalization and GHI for medical
So the OB went through GHI- I didn't pay anything except office copays
The hospital stay cost us a copay of $250 I think.
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| Posted 4/2/12 8:34 AM |
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RocNMel
LIF Adolescent
Member since 7/07 697 total posts
Name:
Melissa
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Re: Does anyone have the Empire Plan as their insurance?
Posted by MrsMeloyellow
nothing and $10 co-pay
Same here!
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| Posted 4/2/12 8:53 AM |
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ODonnell
.
Member since 9/05 5983 total posts
Name:
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Re: Does anyone have the Empire Plan as their insurance?
Nothing and no copays for regular Dr. visits. If I had more than one visit a month or an additional sonogram I paid $20.
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| Posted 4/2/12 9:05 AM |
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LoveyQ
Stalkers, get a life.
Member since 11/07 12820 total posts
Name:
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Re: Does anyone have the Empire Plan as their insurance?
Posted by allIwant
Posted by LMFitz
Hospital stay was nothing for me - but DS's NICU doctor was out of network, so cost us about $750. Kind of sucked.
Same thing happened to us...Not sure if you paid already but I fought it and won!
You should definitely be able to fight this kind of charge. When you have to use out of network doctors in an emergency care setting (like the NICU), they are supposed to treat them like in network doctors. Not 100% sure if this is individually by plan, but I would look into it.
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| Posted 4/2/12 9:08 AM |
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LoveyQ
Stalkers, get a life.
Member since 11/07 12820 total posts
Name:
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Re: Does anyone have the Empire Plan as their insurance?
Here's the thing that gets people confused. In a room with 100 people all with Empire, they can all have different plans that cover different things, different amounts, different copays, deductibles, etc. It doesn't matter what insurance company you have so much as the exact plan that your job or spouse's job offers. Even then, the job can offer two or three variations with different deductibles, copays etc.
All that said, I am now under Empire and will be having a baby soon. Not 100% sure what we'll have to pay out of pocket yet.
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| Posted 4/2/12 9:10 AM |
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labonnevie
sometimes 1+1= 4 <3
Member since 8/09 3869 total posts
Name:
the lucky one
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Re: Does anyone have the Empire Plan as their insurance?
hospital stay cost nothing and well visits cost nothing, but if I have a sono it costs $20.
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| Posted 4/2/12 9:14 AM |
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LINewbie
Tigger the the Rescue!
Member since 8/08 5647 total posts
Name:
LB
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Re: Does anyone have the Empire Plan as their insurance?
my hospital stay was free. Used an in-plan dr, I think that was free too, I got some random $5 and $10ish bills, I think those were for tests though.
Ped is free well visits, $20 co-pay sick visits
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| Posted 4/2/12 9:44 AM |
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Bearcat
Love my little girls!!! <3
Member since 6/10 10818 total posts
Name:
E
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Re: Does anyone have the Empire Plan as their insurance?
We have Empire hospital coverage (NYSHIP/United is the non-hospital coverage). My hospital stay was 0 out of pocket.
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| Posted 4/2/12 10:22 AM |
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Tinyswife
My family is complete
Member since 4/07 1819 total posts
Name:
Cathleen
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Re: Does anyone have the Empire Plan as their insurance?
I paid nothing for hospital. I used a network dr and only paid a co payment I think for the first visit after that I paid noting. I think I paid a co payment for certain lab's that where sent out, but that is with any lab.
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| Posted 4/2/12 12:44 PM |
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Alli06
Baby #3 coming this June
Member since 8/05 6721 total posts
Name:
A
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Re: Does anyone have the Empire Plan as their insurance?
Hosptial cost me nothing last pregnancy, haven't gotten any bills for this one so far. The only thing I got in the mail last time was a bill for my epidural. The insurance sent me a check to pay it though.
My OB in in Network, so not sure about that question.
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| Posted 4/2/12 1:19 PM |
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lovemyfamily88
LIF Adolescent
Member since 5/10 641 total posts
Name:
????
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Re: Does anyone have the Empire Plan as their insurance?
Posted by LoveyQ
Here's the thing that gets people confused. In a room with 100 people all with Empire, they can all have different plans that cover different things, different amounts, different copays, deductibles, etc. It doesn't matter what insurance company you have so much as the exact plan that your job or spouse's job offers. Even then, the job can offer two or three variations with different deductibles, copays etc.
All that said, I am now under Empire and will be having a baby soon. Not 100% sure what we'll have to pay out of pocket yet.
Exactly!
You cant judge what your plan covers by what coverage other people have.
You should contact your plan administrator and ask about YOUR particular plan
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| Posted 4/2/12 1:24 PM |
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nov04libride
big brother <3
Member since 5/05 14672 total posts
Name:
Me
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Re: Does anyone have the Empire Plan as their insurance?
I have Empire with NYSHIP/United for hospital coverage. (state employee)
No copays for any OB PG visits, $20 copays for sonos, no copay for hospital or DS 1's week-long NICU stay.
Pediatrician visits are no copay for regular appts, $20 for sick visits.
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| Posted 4/2/12 1:58 PM |
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