Induction in December is official....

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lesleynka's picture
Joined: 04/26/11
Posts: 1845
Induction in December is official....

Well, my edd is on the cusp (love that word) of December & January. Some sites say 12/31 & some say 01/01, my ob says 01/01.

Anyways, I have been induced w/ both of my other pregnancies & was, and still am, hoping to go into birth naturally w/ this girl. But, the decision has been made: If I do not go into labor by around the 27th I will be induced. =/

The reason is mainly money. That sounds horrible, but my insurance is going sky high. My deductible is going up to $3,000 & I just cannot afford to have the baby in 2012 w/ that high of a deductible. I am still hoping for natural, but have come to terms if it doesn't happen that way.

Boy it's going to blow if something goes wrong & I still end up in the hospital in January. Does anyone know if your admittance date plays a roll or does the deductible automatically roll over Jan 1st even if you were admitted in December?

So, I guess what I'm trying to say is....Boots is officially going to be a December baby Smile

jeepbaby's picture
Joined: 11/08/07
Posts: 492

YEAH!!!! How exciting to have a "definate"!

joyjim's picture
Joined: 05/22/06
Posts: 822

Sorry I have no idea about the insurance stuff....sounds scary though.

But I have never gone into labor naturally either. All my babies are induced. I have not addressed this with this OB though. I sort of do not want to know her stance on it. I have delivered on my due dates and had almost 9 lb babies. I am terrified to go over and wait for natural labor. I think I would need a c-section, they would be so big. My due date is 12/14. I am hoping to deliver a few days early and would love to go into labor naturally also.

Good luck!!!!!

JuneorJulyBaby?'s picture
Joined: 10/20/08
Posts: 2479

Lesley, I would call your insurance company and run a few "what ifs" by them. I did this about a month ago with my insurance and asked how it would work with my deductable. The lady told me that the charges happen when I am discharged from the hospital. That means out of the hospital by Jan 1st to have the deductable count towards December.

My ideal situation is to have the baby in December for tax purposes but then get discharged in Jan so the deductable counts towards 2012. We'll see what Emily wants to do but I refuse to still be pregnant in January.

Joined: 04/10/11
Posts: 1703

I would ask your insurance. I asked a somewhat similar set of questions about what happens if there is an extended NICU stay. For me, I would have to pay the deductible again for any of the three of us if we're still in the hospital in 2012.

lesleynka's picture
Joined: 04/26/11
Posts: 1845

Thank you ladies. So it sounds that any January is 2012, that is good to know. I will definitely call tho.

Jenn0113's picture
Joined: 03/09/07
Posts: 5335

I could have written your post word for word. Same EDD and same eviction date Smile

I asked my insurance company the same thing you are asking. They said that if I go into the hospital in 2011 and leave in 2012 then I have to pay my deductible for each year. I talked to my OB about it and we agreed to do the csection by Dec 28th at the latest so I would be guaranteed to be out by Dec 31st. He said if I really wanted a VBAC then he would let me go until Jan 8th - however, my deductible is $1000 so I can't see paying an additional $1000 if I start labor on say the 31st and have her on the 1st.

However, I will tell you that the hospital said that all insurances are different - so I would call and ask yours. I'd prefer to let it just happen or to have a later csection date - but I am not willing to pay $1000 for each year.

Veni Vidi Vici's picture
Joined: 03/13/10
Posts: 113

Wow, so crappy that insurance coverage is so awful.... Move to canada, that way you don't pay anything for doc/midwife and can give birth without the pressure Sad

lesleynka's picture
Joined: 04/26/11
Posts: 1845

Jenn ~ we are the preggo twins. lol.

Want to know the worst part for me? I have ALREADY MET my 2011 deductible, but Blue Shield is changing our plan & it changed over on September 1st. This means that I now owe $1,000 MORE this year & then it becomes another $3,000 to be met starting in January.

Is it legal for them to increase a deductible in the middle of the year? wth?

I want to aim for the 27th just in case there are any problems. And I would prefer to be out for some bubbly on New Year's Eve.

Jenn0113's picture
Joined: 03/09/07
Posts: 5335

We are. I almost quoted your belly pics in Jan and said "this is me!" LOL

Well, get this...my insurance went from amazing coverage with a $500 deductible on April 1 to higher deductibles and a $60 copay every time I go to the OB :eek: And by the time I found out I was pg and needed better coverage it was too late to switch to DH's insurance which...are you ready...covers maternity at 100% - no copays, no deductibles. Kill.Me.Now! I would have easily been able to VBAC and we would have saved several hundred on copays alone - not even considering the $1000 deductibles. BOO!

lesleynka's picture
Joined: 04/26/11
Posts: 1845

Ohhhh, that does hurt =/ Darn it Jenn! It must be painful to let that money go when it comes time to pay the co-pay. I am so sorry.

Jenn0113's picture
Joined: 03/09/07
Posts: 5335

It hurts so bad, lol.

lesleynka's picture
Joined: 04/26/11
Posts: 1845

Here's some more pain for us.....

When I have Boots I will be the one covering her on my insurance. This will switch me over to a family deductible that is, get this.... $6,000 & then co-pays of 20% until I reach my out-of-pocket maximum of $10,000!!

All this while paying over $170 a month out of my paychecks. Sad GD!!

lesleynka's picture
Joined: 04/26/11
Posts: 1845

Must.stop.talking.about.it. ~~~ Getting.UBER.angry. =/ We both got hosed.

Jenn0113's picture
Joined: 03/09/07
Posts: 5335

Yes - the more I talk about it or think about it the more depressing it is. We SHOULD move to Canada! LOL

lesleynka's picture
Joined: 04/26/11
Posts: 1845

Sad thing is, my dad is Canadian, BUT....he gave up his citizenship when he became an American. This is before it was acceptable for people to be dual-citizens.

Grrr, gosh darnit dad!

PAmom2boys's picture
Joined: 04/29/09
Posts: 1494

This was my situation with eli's birth. I was due Jan 5 and had never reached my DD with any other baby. I however went overdue. Not my choice I pleaded with my OB to be induced the last week of the year but I guess my cervix wasn't favorable and no other reasons to induce. I was pissed on new years eve. And equally pissed on my duedate. Having Eli in a new yr cost us about 2500 with tax and deductibles etc.

I'm glad there's a plan with your doc about induction fir financial reasons. Some aren't so flexible in fear of being sued :roll:

.hilary.'s picture
Joined: 01/31/10
Posts: 1505

This all sounds so stressful. I can't imagine what it must be like trying to balance the kind of care you want against what it will cost you Sad

fireflies11's picture
Joined: 03/26/11
Posts: 613

I totally understand, I would do the same! We have a $3000 deductible and we have just now reached it this year! It's crazy!

Glad you have a date!!

lesleynka's picture
Joined: 04/26/11
Posts: 1845

"PAmom2boys" wrote:

This was my situation with eli's birth. I was due Jan 5 and had never reached my DD with any other baby. I however went overdue. Not my choice I pleaded with my OB to be induced the last week of the year but I guess my cervix wasn't favorable and no other reasons to induce. I was pissed on new years eve. And equally pissed on my duedate. Having Eli in a new yr cost us about 2500 with tax and deductibles etc.

I'm glad there's a plan with your doc about induction fir financial reasons. Some aren't so flexible in fear of being sued :roll:

Oh Amanda, that's horrible. It's bad enough going over your edd, especially during the holidays. I would have been livid!
The IRS might as well just send your tax return straight to your insurance company.

I am lucky to have such a great ob. She will induce anytime after 38wks is reached. I was considering before christmas, but if I wait until after I am giving myself the best chance of going into labor naturally.

Phoenix was 15 days late & induced so idk how good my chances are.

Starryblue702's picture
Joined: 04/06/11
Posts: 5454

I don't see any reason why if you're being induced on the 27th why you would still be there on the 1st... I think you'll be just fine (and baby, too!). Congrats to you, and just think, you'll be able to claim baby on your taxes for the entire year now lol!

sugspop's picture
Joined: 02/22/07
Posts: 1418

Wow, what a crooked, nasty, low down thing for insurance to do! They are some of the worst crooks in history. I hadn't ever thought of that, but I will have to pay a full deductible for me and the unborn baby at the time of the birth, and the stinky part is it is in December, so they only have a few weeks to "pay in full" for anything beyond the deductible. I thought that in itself was so sneaky but to make you pay a deductible twice if you go from december thru january is ridiculous! I do have decent insurance and they walk me through everything. We have open enrollment in November, so I'm considering upping my insurance to reduce my out of pocket at the time of delivery and then dropping them in February. They would do it to me, so why not.

So what is your official induction date? They have to induce you with sufficient time to be discharged before the 1st of january? Now I'm glad I'm at the beginning of December. Sorry!

lesleynka's picture
Joined: 04/26/11
Posts: 1845

Thanks Jules. I completely agree that is just so schemy.

I have to talk to my ob to see about what days work best for her, but she made it sound like she wasn't taking any time off for Christmas or new year's so anytime would work. I'm thinking the 27th. I want to be exhausted & looking like hell nursing a hopefully sweet & not-too-grumpy newborn on my couch w/ the fireplace burning on new year's eve.

Joined: 09/01/10
Posts: 534

"lesleynka" wrote:

Well, my edd is on the cusp (love that word) of December & January. Some sites say 12/31 & some say 01/01, my ob says 01/01.

Anyways, I have been induced w/ both of my other pregnancies & was, and still am, hoping to go into birth naturally w/ this girl. But, the decision has been made: If I do not go into labor by around the 27th I will be induced. =/

The reason is mainly money. That sounds horrible, but my insurance is going sky high. My deductible is going up to $3,000 & I just cannot afford to have the baby in 2012 w/ that high of a deductible. I am still hoping for natural, but have come to terms if it doesn't happen that way.

Boy it's going to blow if something goes wrong & I still end up in the hospital in January. Does anyone know if your admittance date plays a roll or does the deductible automatically roll over Jan 1st even if you were admitted in December?

So, I guess what I'm trying to say is....Boots is officially going to be a December baby Smile

I don't really know about how the insurance stuff works but it's good that you have a somewhat definite time of when baby will be here! Smile

**tess**'s picture
Joined: 10/13/08
Posts: 114

I think it must be a Washington state thing, but if you switch insurance here pregnancy doesn't count as a pre-existing condition unless you're switching to the Washington Health Program which has a higher deductible if you get pregnant right away.

So when they changed all their policies in July and raised my premiums, I changed my coverage and at least got better coverage for the same premium. I do have to pay $280 per month just for myself, though.

Also, they are changing the plan so that newborns will NOT be covered under the mother's deductible starting in 2012 - lucky for me that I'm due mid December so my newborn will be covered under my deductible. That wasn't the case for our last baby (different insurance). For many insurances, once they are born they have their own deductible that has to be satisfied.

Whenever I start feeling kind of bummed to be having a December baby whose birthday will be overshadowed by Christmas, at least I can be comforted that it will be cheaper for taxes and insurance.