Insurance question

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elleon17's picture
Joined: 01/26/09
Posts: 1981
Insurance question

I'm trying to figure out what to take out in Health spending for the delivery and OB, but I don't remember my grand total from DS.

I'm thinking it was decently expensive, maybe $3000 at least out of pocket.

We have BCBS with a standard 80/20 and $200 deductible.

Any ideas? Doesn't need to be accurate, but do you remember roughly what you spent with your last child on hospital costs?

Momma Leah's picture
Joined: 05/13/12
Posts: 1047

I really don't remember. We have an extremely high deductible on ours because we are self employed and it brings the premium down. We have also changed plans since DD, but we now have a HSA, which is great! My hospital too will give a 50% discount if you pay the whole bill up front. A lot of places will do that if you just ask.

nidia's picture
Joined: 06/08/07
Posts: 1812

"Momma Leah" wrote:

My hospital too will give a 50% discount if you pay the whole bill up front. A lot of places will do that if you just ask.

How cool, I didn't know that! Thanks for sharing Smile

Joined: 10/12/04
Posts: 961

My insurance sent us sample costs based on different situations. It said for pregnancy to plan on $1400 after insurance for hospital, doctor, medications, and ultrasounds.

Joined: 10/12/04
Posts: 961

We have 80/20 and $200 as well so it should be pretty similar.

Heatherbella's picture
Joined: 02/14/05
Posts: 4169

"PCCGirl813" wrote:

My insurance sent us sample costs based on different situations. It said for pregnancy to plan on $1400 after insurance for hospital, doctor, medications, and ultrasounds.

Well that's not TOO bad. I'd have a hard time coming up with that money right now though. Do people use credit cards or do they go on some sort of payment plan for this sort of thing?

Joined: 10/12/04
Posts: 961

We have an HSA. You pick an amount for the year and it goes into an account for you. Then the total gets divided by your paychecks and you get a little deducted every week. But you have access to the full amount on Jan 1. So we put $2500 in and we can spend it all now, it just keeps deducting out if your pay all year. Ours comes to roughly $40/week. And I never have to worry about unexpected medical bills unless we go over $2500. It's nice.

Heatherbella's picture
Joined: 02/14/05
Posts: 4169

That isn't so bad. It's nice to have that option to set a bit aside like that.

Momma Leah's picture
Joined: 05/13/12
Posts: 1047

I love our HSA. When I had my bleeding episode back at 9 weeks and I went to the ER, we got a bill for $1400. I called the hospital to pay at once and they knocked it down to $700 and I paid it all out of our HSA.

angelover02740's picture
Joined: 07/10/07
Posts: 1342

my insurance is changing in february so i dont what plan we are going to have. but at the time of DS i had a 1000 deductible

elleon17's picture
Joined: 01/26/09
Posts: 1981

"Heatherbella" wrote:

Well that's not TOO bad. I'd have a hard time coming up with that money right now though. Do people use credit cards or do they go on some sort of payment plan for this sort of thing?

We paid in installments with the OB to cover the deductible and then just paid as I could for the hospital bill last time. It took awhile, but make sure to keep your bills and deduct them from your taxes. I got a lot back that way when I had DS.

elleon17's picture
Joined: 01/26/09
Posts: 1981

"PCCGirl813" wrote:

We have an HSA. You pick an amount for the year and it goes into an account for you. Then the total gets divided by your paychecks and you get a little deducted every week. But you have access to the full amount on Jan 1. So we put $2500 in and we can spend it all now, it just keeps deducting out if your pay all year. Ours comes to roughly $40/week. And I never have to worry about unexpected medical bills unless we go over $2500. It's nice.

That's exactly what I am planning on doing. Since I just started the new job I have the opportunity to restart my Health spending account. I love that it is going to save me $600 in taxes at least!

I also do the daycare spending and that saves us almost $1500 for the year.

desertdaisy's picture
Joined: 07/17/09
Posts: 177

My insurance gave me an out of pocket estimate of $3,400. I put $2,400 in my FSA and DH has $3,000 in his HSA (he gets $700 just for doing a health assessment). He can use his for me and vice versa so we figure we are set. I have already paid my OB for my portion of her services throughout the PG so all I am left with is the hospital, albeit the largest portion. Thanks for the tip, Leah! I will definitely ask for a discount since we will be paying in full!

Joined: 03/07/05
Posts: 1595

Cost of labor/delivery completely varies by where you live. In Kalamazoo MI, a non medicated, no intervention of any kind type of birth still cost around $8000 at the hospitals there. Seriously all they did was give me a room and catch the baby, and it was $8000. Ridiculous. After insurance we ended up paying about $1500.

Here in NM, hospital births are much cheaper - just under $4000 I believe. Anyway, I am choosing a birth center instead and the total cost of all my care and delivery there is just over $3000, and insurance does cover most of it.

akpufa's picture
Joined: 01/31/08
Posts: 3078

Both induced vaginal deliveries but different insurance...
#1 cost just shy of $6000 (which was our deductible for maternity...great insurance otherwise but yikes!)
#2 we paid about $2500 and insurance picked up the rest.

This one is under the same insurance as #2 thankfully.

akpufa's picture
Joined: 01/31/08
Posts: 3078

"Momma Leah" wrote:

I really don't remember. We have an extremely high deductible on ours because we are self employed and it brings the premium down. We have also changed plans since DD, but we now have a HSA, which is great! My hospital too will give a 50% discount if you pay the whole bill up front. A lot of places will do that if you just ask.

50%?!?!? That's awesome!! Mine did like 10-15% (can't remember). Still, I'll take it!

Clarkton's picture
Joined: 01/07/08
Posts: 1972

Ashley, same here ours offered 10% when paying up front. I am doing an FSA through my work and putting in the $2500 max allowed for the year. Hoping that covers a good bit but I believe it was about $4,000 out of pocket with DS2. Which I found ridiculous since it was about the same OOP cost as I had with DS1 and he was a preemie who spent 17 days in the NICU and I had a 6 day stay myself with lots of other interventions to stall labor and administer shots to help his development. My birth with DS2 was basically the same as Laurie described...they gave us a room and caught him...I was there a little over 24 hrs but only b/c they wouldn't discharge me the first day. He was born at 6 am...I could have gone home that day. Blum 3 Anyway total cost was just under $8,000 so I actually paid over half due to a high deductible. And his birth was 10's of thousands less than DS1. Go figure!

Joined: 08/25/10
Posts: 385

FREEEEEEEEE! But we pay higher taxes.

quonsetmom's picture
Joined: 10/10/12
Posts: 1559

Free here too