has anyone else figured out how much their pregnancy/delivery/etc. is going to cost them? of course it's impossible to put a price on having a precious new baby!!! but i'm feeling pretty stressed this morning after talking to our insurance provider.
we were spoiled the first time around because we had the most amazing insurance. it literally cost $250 total to have a baby. one $20 copay at the first OB appointment, no copays after that, and then a $230 bill from the hospital after baby was born. (the rest of the hospital bills, which were over $8000, were paid by our insurance.)
i knew our current insurance wasn't as good as before, but i hadn't really given it much thought until i started getting hefty bills for the screening i had recently. turns out we have to pay 100% of all maternity services until our deductible is met, and 20% after that. and the timing is bad...once i pay these bills i just got, we will have almost met our deductible for 2011, but then it starts over in january, so the maternity bills will start coming in full again for jan-march until we meet our deductible again! plus, 20% of everything is a lot of money when you're talking about hospital bills in the thousands. i asked the insurance lady if she could give me a guesstimate on how much we would end up paying when it's all said and done, and she said we could easily meet our out-of-pocket maximum for 2012 (by the time we pay maternity and pediatric hospital bills), which would be $4000! :eek: it could maybe be less if there's no need for c-section, baby has no special needs, i don't get an epidural, we get out of the hospital as soon as possible, etc. we don't have $4000! i'm kinda freaking out. anyone have any tips on ways to make having a baby more affordable? anyone know how much you have to spend on medical bills to get a break on taxes, for example?
i don't wanna stress anyone else out about this, but i'd appreciate any advice anyone can offer. i know i should still be thankful that we have insurance!