Insurance question

britt0285 · Apr 7th, 2012, 19:16 PM

Okay in the US how much can i expect my first obgyn appointment to cost? I am in the waiting period at a new job for my insurance to kick in. My cobra will cost 560 a month and i have until april 29 to decide to sign up. How much will my first appointment cost with out insurance? Any ideas? Im wondering if i should just pay out of pocket the first 3 months or if I should go ahead and get cobra?

korndogger123 · Apr 7th, 2012, 20:25 PM

I don't know the answer to your question, but I know if you call the doctors office they will be able to tell you. I remember I was behind a woman who didn't have insurance and her total came out to 120... but IDK if that would be around the amount or not.

linzay55 · Apr 7th, 2012, 20:31 PM

My clinic makes you pay 75 up front if you don't have insurance for a visit. How long is your waiting period? I think it would be cheaper to just pay for the visits but its a gamble if you had some complication that require a hospital visit...

britt0285 · Apr 7th, 2012, 20:37 PM

Thanks Ladies! I guess I will just call and find out. I will update when I find out incase anyone else needs the info.

mamawananotha · Apr 7th, 2012, 21:40 PM

At my OB, the fee wasn't 'per appointment'. It was all bundled together including to include all prenatal appointments plus the delivery (not including any separate hospital fees).

Be careful and don't let your insurance lapse. You might be stuck with a 'preexisting condition' clause and have none of your pregnancy covered. I'd get the COBRA.

daydreaming22 · Apr 7th, 2012, 22:02 PM

I dont know what state you are in, but in Fl pregnancy is not covered automatically under insurance plans unless it is a government job with a group plan. If you add it on (Extra $300-400/month), you have to wait 12 months to become pregnant...unless you have not had a lapse in coverage. If you decide to not get the COBRA that is considered a lapse. As PP stated, OB visits are generally bundled into 1 price for all visits, testing, scans, and delivery (usually around $5,000). They will let you make monthly payments. I would check with the old and new insurance to see if either cover pregnancy and delivery before you make a decision.

taylorxx · Apr 7th, 2012, 22:27 PM

I'm having issues with my insurance at the moment, and she said next appointment (ultrasound included) would be $379.80 if we paid out of pocket... & it's looking like we'll have to this time because we're having trouble getting it straightened out. Insurance paid for the first prenatal and ultrasound because they put it under "confirmation". They had to take a LOT of blood (7 vials) so if you don't have insurance that may be quite a bit.. Do you have insurance? If not, medicaid is great for maternity. I believe they will accept anybody. x

hunni12 · Apr 7th, 2012, 22:30 PM

Down here they have this insurance strictly for pregnant women that covers costs

SarahBear · Apr 7th, 2012, 22:47 PM

I don't know what state you're in or how things work in different states, but in Oregon, the Oregon Health Plan covers all costs of pregnancy. Maybe other states have something similar? Also, if money is an issue and your pregnancy is low-risk, you might want to look into other birthing options. In a normal pregnancy, home birth and midwives are safer than hospitals and they're a fraction of the price.

gretavon · Apr 7th, 2012, 22:56 PM

I would stay away from cobra if you can theyre so expensive. They reach into your pocket and snatch that money as quick as a...cobra. hmmmm. Curious.

Apr 7th, 2012, 19:16 PM	#1
britt0285 Mum (Mom) Active BnB Member Join Date: Mar 2012 Posts: 927	Insurance question Okay in the US how much can i expect my first obgyn appointment to cost? I am in the waiting period at a new job for my insurance to kick in. My cobra will cost 560 a month and i have until april 29 to decide to sign up. How much will my first appointment cost with out insurance? Any ideas? Im wondering if i should just pay out of pocket the first 3 months or if I should go ahead and get cobra?

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Apr 7th, 2012, 20:25 PM	#2
korndogger123 Waiting To Try (WTT) Active BnB Member Join Date: Feb 2012 Location: USA Posts: 675	I don't know the answer to your question, but I know if you call the doctors office they will be able to tell you. I remember I was behind a woman who didn't have insurance and her total came out to 120... but IDK if that would be around the amount or not.

Status: Offline

Apr 7th, 2012, 20:31 PM	#3
linzay55 Mum (Mom) Active BnB Member Join Date: Sep 2011 Posts: 304	My clinic makes you pay 75 up front if you don't have insurance for a visit. How long is your waiting period? I think it would be cheaper to just pay for the visits but its a gamble if you had some complication that require a hospital visit...

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Apr 7th, 2012, 20:37 PM	#4
britt0285 Mum (Mom) Active BnB Member Join Date: Mar 2012 Posts: 927	Thanks Ladies! I guess I will just call and find out. I will update when I find out incase anyone else needs the info.

Status: Offline

Apr 7th, 2012, 21:40 PM	#5
mamawananotha Mum (Mom) Active BnB Member Join Date: Feb 2012 Posts: 155	At my OB, the fee wasn't 'per appointment'. It was all bundled together including to include all prenatal appointments plus the delivery (not including any separate hospital fees). Be careful and don't let your insurance lapse. You might be stuck with a 'preexisting condition' clause and have none of your pregnancy covered. I'd get the COBRA.

Status: Offline

Apr 7th, 2012, 22:02 PM	#6
daydreaming22 Waiting To Try (WTT) Chat Happy BnB Member Join Date: Mar 2011 Location: Tampa, Fl Posts: 1,608	I dont know what state you are in, but in Fl pregnancy is not covered automatically under insurance plans unless it is a government job with a group plan. If you add it on (Extra $300-400/month), you have to wait 12 months to become pregnant...unless you have not had a lapse in coverage. If you decide to not get the COBRA that is considered a lapse. As PP stated, OB visits are generally bundled into 1 price for all visits, testing, scans, and delivery (usually around $5,000). They will let you make monthly payments. I would check with the old and new insurance to see if either cover pregnancy and delivery before you make a decision.

Status: Offline

Apr 7th, 2012, 22:27 PM	#7
taylorxx Pregnant (Expecting) BnB Addict Join Date: Feb 2011 Location: US Posts: 5,312	I'm having issues with my insurance at the moment, and she said next appointment (ultrasound included) would be $379.80 if we paid out of pocket... & it's looking like we'll have to this time because we're having trouble getting it straightened out. Insurance paid for the first prenatal and ultrasound because they put it under "confirmation". They had to take a LOT of blood (7 vials) so if you don't have insurance that may be quite a bit.. Do you have insurance? If not, medicaid is great for maternity. I believe they will accept anybody. x

Status: Offline

Apr 7th, 2012, 22:30 PM	#8
hunni12 Mum (Mom) BnB Addict Join Date: Jan 2012 Posts: 2,981	Down here they have this insurance strictly for pregnant women that covers costs

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Apr 7th, 2012, 22:47 PM	#9
SarahBear Mum (Mom) Chat Happy BnB Member Join Date: Oct 2011 Posts: 1,819	I don't know what state you're in or how things work in different states, but in Oregon, the Oregon Health Plan covers all costs of pregnancy. Maybe other states have something similar? Also, if money is an issue and your pregnancy is low-risk, you might want to look into other birthing options. In a normal pregnancy, home birth and midwives are safer than hospitals and they're a fraction of the price.

Status: Offline

Apr 7th, 2012, 22:56 PM	#10
gretavon Mum (Mom) Chat Happy BnB Member Join Date: Mar 2012 Location: orig.germany now texas Posts: 1,692	I would stay away from cobra if you can theyre so expensive. They reach into your pocket and snatch that money as quick as a...cobra. hmmmm. Curious.

Status: Offline

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