Ugh. Too much. I miss my HMO when I paid $500 total for prenatal care and delivery.
Our family deductible now is $5200. Then it's an 80/20 split until an OOP max of $12,800. I don't think we'll reach the OOP max, but we will the deductible for sure, plus some.
I'll go read the others in a minute, but we already paid our OB global fee (the cost for her services) and that was around $850 after insurance.
The birth center fee will be around $3K if we have to pay OOP. If I can get a waiver (which I'm working on), it will end up being around $1K after insurance.
DD's birth (hospital, vaginal, no pain meds, 36 hour stay) ended up being around $5K after insurance.
Post by suzysurparis on Apr 15, 2015 10:52:30 GMT -5
I'm doing a private hospital in France, but the maternity stuff is still 100% covered by the national socialized healthcare system. Only things I'll pay for is if I request a private room (I haven't) and a supplement for the anesthesiologist for the epidural. I think it's supposed to cost €50 for the epidural. I keep trying to explain to my husband how expensive US things are even with health insurance. I'll tell him about these max OOPs.
Didn't realize how lucky I am. All prenatal care and birth are covered thanks to my husbands job. I only pay if I make an appointment out of my regular appointments and that's only 5$.
Edit to add- the hospital rooms are pretty big and comfy and they are single rooms with their own bathroom. They also do a little romantic dinner for the new parents the night before you go home.
Bluedaisy, nettje Saskatoon's mat ward has one or two 'Victorian' rooms, it's basically a real, large bed, decorated really nice, bassinet I believe, full bathroom and actual room for visitors. I have never actually been in this fairytale room, I think it's $150 a night and really hard to get into because someone always has it.
I was able to find the description online and that's essentially what it is at my hospital. Really well decorated room with a queen bed, luxury pillows and sheets, free tv and internet (well, comes with the cost) and just more space in general.
That sounds lovely! I would totally pay $150/night for an extra plush room. We get a private room but they're just standard looking little hospital rooms.
With DD my only charge was for the hospital and was between $100-$150 I forget. It should be the same this time. Our insurance doesn't cover private rooms, but they do cover hospitals that only offer private rooms like the one I'm delivering at All maternity care is covered by going to a network provider. I wish our insurance (Tricare) was providing coverage for breastpumps already but they have yet to announce what they will do. Right now we get no assistance with that but with everything else being covered I won't complain. We are lucky for the good coverage.
@demanda88, With DS1's birth where we paid nothing OOP, our premiums were around $300/mo after we added him to our policy. I can't remember what it was for DH to add just me to his coverage. so, $3600/yr OOP.
with this birth, our OOP premiums are $0. So, while we have the likelihood of hitting our OOP family max which is $3,500, it's less overall.
Emotionally though, it's different bc we never saw and/or had the $ in our possession when we were paying our premiums, so it feels different. Logically I know it isn't. Plus getting multiple bills per week is annoying. (esp when they only give you a date of service so you have to call someone EVERY single time)
Aside from initial appointments ($10) and specialist appointment ($25) copays and maybe circumcision costs...everything is free. I have amazing insurance. When I got the estimation bill from my OB it said my cost was $0. I knew that having a baby could be expensive but didn't realize how lucky I am to have my insurance. And I'm a teacher. My mom has worked for the same county that I now work for for 30+ years and always told me to get hired there.
I've already met my deductible ($200), so I'll be responsible for 10% of the total insurance negotiated costs up to $3k which it my OOP maximum. When I did the cost estimator on my insurance company's website, it said that it would be around $1800 for a twin csection birth.
Then Comes Family, LLC is a participant in the Amazon Services LLC Associates Program, an affiliate advertising
program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.