Out of pocket costs
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Thread: Out of pocket costs

  1. #1
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    Default Out of pocket costs

    Anyone else been keeping tabs on their medical out of pocket costs for this pregnancy so far?

    We have been getting bills here and there for labs, ultrasounds and stuff, though it seems like a bunch just came through recently from October (had my anatomy scan at my clinic, the more thorough scan at MFM, plus the amnio so a lot from that time period). I knew we seemed to be paying more out of pocket this time compared to when I was pregnant before (different insurances as DH has switched companies since then, we have decent insurance now but doesn't hold a candle to our last one). I think I was more sheltered last time because it seemed like almost everything was covered in full before even when we were going through infertility treatments. This time around I feel like I have had to pay something everytime I have a procedure. I just added up my bills so far and we have paid almost $800 so far between our deductible and co-pays. I have met my deductible for the year, but not my co-pay max. And this doesn't include my lump sum OB care fee and hospital co-pay that will come the end of this pregnancy (when my deductible is back at zero ). Yikes! This kiddo is getting expensive! I'm glad I have not had to buy a lot of new stuff for him since he is our second boy. Maybe some of you have been paying more out of pocket. If you are I'm sorry. I was just shocked as I had not been tracking the total cost so far.
    Christina

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  2. #2
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    Aside from prenatal sand diabetes stuff (some of which I'd be using anyway)... I think my total is around 100 bucks.

  3. #3
    Supporter stbernardlover's Avatar
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    We had to pay $750 to the OB for their charges for office and hospital. We will have another bill after the hospital stay for that, plus surgery. For participating in a "stork club" where they (insurance co) calls me once a month to check in and give advice, I'll get $250 off of my hospital copay, plus another $230 check afterward. But, we are responsible for 20% of our hospital charges. So, well see what that is.

    It seems like things are more expensive this pg than with DD in general.
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  4. #4
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    Quote Originally Posted by stbernardlover View Post
    We had to pay $750 to the OB for their charges for office and hospital. We will have another bill after the hospital stay for that, plus surgery. For participating in a "stork club" where they (insurance co) calls me once a month to check in and give advice, I'll get $250 off of my hospital copay, plus another $230 check afterward. But, we are responsible for 20% of our hospital charges. So, well see what that is.

    It seems like things are more expensive this pg than with DD in general.
    I joined the free voluntary Prenatal Program through our insurance too so they have been sending me pregnancy info via mail and I have a nurse case manager who calls about once a month. An insurance rep I spoke to prior to joining the program said I should get a reimbursement of my hospital co-pay when I join - I need to look into that again because that would safe us about $300 if I remember correctly.
    Christina

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    Prolific Poster Lil Momma 1991's Avatar
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    We have a 200 deductible and then 10% of everything after that. We have spent probably about 400 between the deductible and other small things. Our Fetal Echo cardiogram was about 100 or 150 alone. Everything else has been random blood work or OB visits.
    Kendra & Bob 7/4/13
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    Posting Addict smsturner's Avatar
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    I am VERY lucky and have very fantastic insurance. (thank you union membership!)
    We paid one 10 copay for visits, and we pay 10 copay per ultrasound, and the rest is covered in full. Even the total birth.
    Susan, dh Tom, dd Megan, ds Marcus, ds #2 coming Feb, 2014

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  7. #7
    Prolific Poster Lil Momma 1991's Avatar
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    Quote Originally Posted by smsturner View Post
    I am VERY lucky and have very fantastic insurance. (thank you union membership!)
    We paid one 10 copay for visits, and we pay 10 copay per ultrasound, and the rest is covered in full. Even the total birth.
    And this is me being VERY jealous.

    Out insurance is through my DH's work and the plan we currently have is not available in the new year so we have to switch plans. Looking at the new ones and it's stupid how much our deductible Jumps up. The one we are considering is and HSA (Health Saving Account) with a 4,500 dollar deductible that we would have to pay in the first 8 weeks of the year or so.
    Kendra & Bob 7/4/13
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    I have paid for everything out of pocket so far. We have yet to meet our ridiculously high deductible. Until I hit the $4,500 deductible, my insurance won't pay a dime. With my previous 4 children it was very, very different. The first 3 were covered 100%, I never saw a bill for anything. My 4th dh had changed jobs and insurance so we had a 250 deductible and some copay and then 10% of everything else. This time dh changed jobs again and it is awful
    Holly
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