Thread: 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 =)

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

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!!!!!

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.

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.

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

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

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.

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

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.

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 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!