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ruby
you rang?
Member since 6/08 5573 total posts
Name:
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Insurance question re: delivery?
So I called my insurance yesterday to find out about my coverage relating to labor and delivery. They told me that my companies policy is a high deductible policy with no copay, which I knew. I have to pay a $2500 copay, $750 dollars of that is covered by my company, and then after that, my insurance covers 80% of the total cost of any visit/procedure and 20% is out of my pocket.
So...my question is....how much money, realistically, are my DH and I looking at for a hospital bill after delivery and stay? I realize it could range drastically, but if I could some sort of ballpark figures it would be great. We'd like to be prepared and know how much of our savings needs to be set aside. Thanks! 
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Posted 7/25/08 2:03 PM  |
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Long Island Weddings
Long Island's Largest Bridal Resource |
neener1211
:-)
Member since 4/07 22952 total posts
Name:
J
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Re: Insurance question re: delivery?
Good question, but I don't know an answer.
I'm guessing it depends on how much your practice/hospital charges for a Vag/C-Sec delivery, if you have an epidural, what medication you get, and how long you stay in the hospital.
You will find that the insurance company will get billed for doctors you may not even know you saw.
Side note:
I had doctors take care of my delivery. There was one doctor that came in the next day, literally asked me how I was feeling then told me I could go home, and I saw he put a claim in for I think $3k. 
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| Posted 7/25/08 2:13 PM |
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ruby
you rang?
Member since 6/08 5573 total posts
Name:
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Re: Insurance question re: delivery?
Posted by neener1211
Good question, but I don't know an answer.
I'm guessing it depends on how much your practice/hospital charges for a Vag/C-Sec delivery, if you have an epidural, what medication you get, and how long you stay in the hospital.
You will find that the insurance company will get billed for doctors you may not even know you saw.
Side note:
I had doctors take care of my delivery. There was one doctor that came in the next day, literally asked me how I was feeling then told me I could go home, and I saw he put a claim in for I think $3k.
Do you think my dr's office would be able to give me a ballpark number, or the hospital? I asked the insurance rep and of course she had no idea. I just feel like it could tens of thousands or even more, and that's not a payment plan I want to be put on, you know? If it's only a few grand, well that we can handle.....
ugh, i can't believe i have such shiitty policy. 
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| Posted 7/25/08 2:19 PM |
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neener1211
:-)
Member since 4/07 22952 total posts
Name:
J
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Re: Insurance question re: delivery?
Yes, try the doctor's office and find out their fees. Then try the hospital to see if they can give you an idea.
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| Posted 7/25/08 2:20 PM |
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ruby
you rang?
Member since 6/08 5573 total posts
Name:
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Re: Insurance question re: delivery?
Thank you, I will give them a call. Wish me luck! 
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| Posted 7/25/08 2:23 PM |
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ReiRei13
Life is Good!!
Member since 1/08 6460 total posts
Name:
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Re: Insurance question re: delivery?
Def call your dr. I know my doctor gave me a printout with their costs. I think vaginal birth was $9000 and C-Section was $10,000 or $11,000
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| Posted 7/25/08 2:25 PM |
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ruby
you rang?
Member since 6/08 5573 total posts
Name:
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Re: Insurance question re: delivery?
Posted by mpetretti
Def call your dr. I know my doctor gave me a printout with their costs. I think vaginal birth was $9000 and C-Section was $10,000 or $11,000
ooh, a printout. that would be great, I'm going to see if they have something like that also. Thanks!
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| Posted 7/25/08 2:27 PM |
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hmm8191
My loves
Member since 3/06 2908 total posts
Name:
Heather
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Re: Insurance question re: delivery?
I just got the packet from my Dr. yesterday about the hospital. It had a number to call if we had questions about billing, or didn't have insurance. I'm sure most hospitals would have a person/department for that. I'd start with your doctor and see what they can tell you.
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| Posted 7/25/08 2:50 PM |
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smdl
I love Gary too..on a plate!
Member since 5/06 32461 total posts
Name:
me
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Re: Insurance question re: delivery?
I had a c-section and my bill was at least 30K at Winthrop.
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| Posted 7/25/08 3:44 PM |
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SweetTooth
I'm a tired mommy!
Member since 12/05 20105 total posts
Name:
Lauren
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Re: Insurance question re: delivery?
Sorry to hijack - but your post got me thinking - can you set up payment plans with the hospital?
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| Posted 7/25/08 3:56 PM |
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Nic3
LIF Toddler
Member since 2/08 402 total posts
Name:
Maria
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Re: Insurance question re: delivery?
SNCH sent out a packet with their costs spelled out for mom and baby. It was in the area of $10k. This excludes, of course, your doctor's fee, the pediatrician's fee, and the anesthesiolgist's fee (if applicable).
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| Posted 7/26/08 1:27 AM |
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astroqueen74
Vibrant Health
Member since 1/07 2822 total posts
Name:
Karina
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Re: Insurance question re: delivery?
Posted by ruby
So I called my insurance yesterday to find out about my coverage relating to labor and delivery. They told me that my companies policy is a high deductible policy with no copay, which I knew. I have to pay a $2500 copay, $750 dollars of that is covered by my company, and then after that, my insurance covers 80% of the total cost of any visit/procedure and 20% is out of my pocket.
So...my question is....how much money, realistically, are my DH and I looking at for a hospital bill after delivery and stay? I realize it could range drastically, but if I could some sort of ballpark figures it would be great. We'd like to be prepared and know how much of our savings needs to be set aside. Thanks!
Thanks for the posting. We also have a high deductible, very concern with how much it will actually be out of pocket.
I need to call and find out as well.
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| Posted 7/26/08 10:07 AM |
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Dulcinea
Weekend Warrior
Member since 3/08 2530 total posts
Name:
Dulcinea
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Re: Insurance question re: delivery?
I did some research about this recently too. The average cost of having a baby these days is about $7600 ... C-section deliveries will cost about 10-12k.
If your particular plan does not cover the majority of the expenses then try to
upgrade to a plan level that covers more. It'll be worth it.
Avg. cost of having baby
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| Posted 7/26/08 10:48 AM |
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snowflake08
Love my boys!!!
Member since 8/07 5148 total posts
Name:
Laura
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Re: Insurance question re: delivery?
if your copay is 2500 then it wouldnt matter if they charge 7000 or 12000 - your copay stays the same
so if you subtract 750 from that and then you only pay 20% of what is left, you are looking at $$350
DH and I are fully covered for labor and delivery - we only have to pay $250
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| Posted 7/26/08 11:03 AM |
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kabo0831
Baby # 2 on the way
Member since 5/07 2244 total posts
Name:
Keri
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Re: Insurance question re: delivery?
Make sure that when the baby is born that you call the insurance company and let them know and they will add he/she to the insurance. It most be done that day. If you don't then you will be responsible for everything that they did on Son/daughter.
HTH
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| Posted 7/26/08 4:05 PM |
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snowflake08
Love my boys!!!
Member since 8/07 5148 total posts
Name:
Laura
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Re: Insurance question re: delivery?
Posted by kabo0831
Make sure that when the baby is born that you call the insurance company and let them know and they will add he/she to the insurance. It most be done that day. If you don't then you will be responsible for everything that they did on Son/daughter.
HTH
yes! my insurance co. told me this too - must call THAT DAY
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| Posted 7/26/08 5:47 PM |
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ruby
you rang?
Member since 6/08 5573 total posts
Name:
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Re: Insurance question re: delivery?
Posted by snowflake08
if your copay is 2500 then it wouldnt matter if they charge 7000 or 12000 - your copay stays the same
so if you subtract 750 from that and then you only pay 20% of what is left, you are looking at $$350
DH and I are fully covered for labor and delivery - we only have to pay $250
no, that's not our copay, it's our deductible. We don't have copays. Once we pay the 2500 minus 750, then my insurance covers 80% of the total cost of everything. We pay 20%. So if the total cost of labor, delivery, stay, everything, etc is like, 20K let's say, then we'll owe 20% of 20K out of our own pockets. 
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| Posted 7/26/08 9:34 PM |
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ruby
you rang?
Member since 6/08 5573 total posts
Name:
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Re: Insurance question re: delivery?
Posted by kabo0831
Make sure that when the baby is born that you call the insurance company and let them know and they will add he/she to the insurance. It most be done that day. If you don't then you will be responsible for everything that they did on Son/daughter.
HTH
Very good to know, thank you.
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| Posted 7/26/08 9:35 PM |
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Kelly9904
Mommy to 2 amazing little boys
Member since 5/05 9306 total posts
Name:
Kelly
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Re: Insurance question re: delivery?
My c-section was about 23K that was for all the drs (2 OBs for a c-section, and the peds checking DS for 3 days) all his care and my own. The Dr portion of it was really small something like $5K for both OBs, but the hospital stay adds up. I delivered at St Catherine's.
ETA: DS had no complications so there were no NICU costs, however with c-sections they did require a neonatal specialist to be present.
Message edited 7/26/2008 9:52:06 PM.
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| Posted 7/26/08 9:50 PM |
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browneyedgirl
family is all that matters
Member since 6/06 6513 total posts
Name:
browneyes
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Re: Insurance question re: delivery?
Posted by kabo0831
Make sure that when the baby is born that you call the insurance company and let them know and they will add he/she to the insurance. It most be done that day. If you don't then you will be responsible for everything that they did on Son/daughter.
HTH
are you sure about that? my insurance company requires you to let them know within 30 days. i called my employer when DS was 4 days old and when I verified it with my insurance company a few days later, they said most people don't do it as early as i do and wait the whole 30 days.
and what if you give birth at 11:30 pm...you have to call within minutes of giving birth? that would never have happened for me! doesn't seem right. 
ETA: the more i think about this the more i'm convinced it's impossible. insurance companies aren't even open on weekends...how would you report a birth at 11pm on a saturday? it's definitely a 30 day window from the day you give birth. and many companies require the HR person to submit it, NOT you. i know my company is this way. i couldn't have called it in even if i wanted to.
Message edited 7/27/2008 4:45:13 PM.
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| Posted 7/26/08 9:55 PM |
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Kelly9904
Mommy to 2 amazing little boys
Member since 5/05 9306 total posts
Name:
Kelly
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Re: Insurance question re: delivery?
Posted by browneyedgirl
Posted by kabo0831
Make sure that when the baby is born that you call the insurance company and let them know and they will add he/she to the insurance. It most be done that day. If you don't then you will be responsible for everything that they did on Son/daughter.
HTH
are you sure about that? my insurance company requires you to let them know within 30 days. i called my employer when DS was 4 days old and when I verified it with my insurance company a few days later, they said most people don't do it as early as i do and wait the whole 30 days.
and what if you give birth at 11:30 pm...you have to call within minutes of giving birth? that would never have happened for me! doesn't seem right.
I can't imagine that it true! THat would be a horrible insurance company to make you call the same day! I mean they knew you were going to have a baby!
My insurance company was 30 days and I was able to do it all online.
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| Posted 7/26/08 9:58 PM |
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cutie
LIF Adult
Member since 2/06 1893 total posts
Name:
Janine
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Re: Insurance question re: delivery?
Posted by Kelly9904
My c-section was about 23K that was for all the drs (2 OBs for a c-section, and the peds checking DS for 3 days) all his care and my own. The Dr portion of it was really small something like $5K for both OBs, but the hospital stay adds up. I delivered at St Catherine's.
ETA: DS had no complications so there were no NICU costs, however with c-sections they did require a neonatal specialist to be present.
I was at St. Catherine's too and the total for all of the dr's bills, the stay, anesthesiologist etc. was about $36K in 2006.
I also had a section.
And our insurance company requires notification within 24 hours (not that "day"  )
If you post on parenting, you will probably get more responses with actual numbers for you to compare.
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| Posted 7/27/08 1:11 PM |
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