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Old Jul 1st, 2013, 16:50 PM   1
sweetavenue
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Interesting article on US maternity care costs


http://www.nytimes.com/2013/07/01/he...orld.html?_r=0

I hope this is allowed Check out this article on the insane costs of maternity care in the US. It's really eye opening, and to be honest- I cried while reading it.



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Old Jul 1st, 2013, 16:57 PM   2
Guppy051708
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I cry knowing I'm gonna have a huge bill.
I live in the US and I had a hospital birth w DS1 (vaginal birth and NO interventions or pain relief)... He will be three years old in about two months and I will finally have his birth bill paid off one month before that. I've been making payments since he was born. And that doesn't include the well baby visits/check ups either. We still owe $800 just from his first year of check ups and I've been paying on that since he was one month old. I hate it. It's not affordable...it's really making me feel like only those who enough money to pay for it are worthy of good health care. It's sick!


I know a lot of ladies from country w universal healthcare hate some aspects such as beig wait listed for care but honestly I can only dream of such a luxury. Not all Americans pay out the wazoo for their health insurance but many are like me. We pay $20,000 per ur for our health care coverage. It is over 25% of our annual income and honestly the biggest reasons we struggle to make ends meet. Healthcare should be a human right IMO and clearly here it is not.



 
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Old Jul 1st, 2013, 17:02 PM   3
HHenderson
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Isnt that lovely? Us US women who actually have private insurance get it up the butt in healthcare costs. It pisses me off not only we pay $120 a paycheck for our medical costs we have to pay out for maternity care. Shouldnt my $1680 a year in medical costs apply to something!? My out of pocket payment definitely didnt come to $3,400 though. Just about $1500 out of pocket. Now like the author of that article has to sit here and worry for every trip to the hospital, Im not sure what or how much will be covered and the co-fee each time if I end up having to go for some reason before the birth of my child to just be sent home. I second question everything about my body before I even make a call just in case its nothing and that is so harmful to my baby and myself. Thankfully no extra random trips YET. But it scares the CRAP outta me!



 
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Old Jul 1st, 2013, 17:05 PM   4
Guppy051708
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That's the thing I've noticed. If I go and get my blood drawn for some test or I get an ultrasound or I visit my endocrinologist (etc) I have NO clue what that cost is going to entail. There is no way to know what I'll end up paying until AFTER i get the bill. And sure I know what r deductible and coinsurance amount is but there just isn't a way to expect what I'll be charged for any of the services. And u have to put a lot of trust in the ppl doing the billing. There's no way to know if u have been charged correctly or not.



 
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Old Jul 1st, 2013, 17:06 PM   5
HHenderson
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Quote:
Originally Posted by Guppy051708 View Post

We pay $20,000 per ur for our health care coverage. It is over 25% of our annual income and honestly the biggest reasons we struggle to make ends meet.
WHAT!!! Is that even legal? Is there any way at the end of the tax season you are able to claim any of it back from what you put in? I swear there was a spot for that. I dont know anything about it though. That sounds nuts. Ill have a for you.



 
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Old Jul 1st, 2013, 17:09 PM   6
HHenderson
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That's the thing I've noticed. If I go and get my blood drawn for some test or I get an ultrasound or I visit my endocrinologist (etc) I have NO clue what that cost is going to entail. There is no way to know what I'll end up paying until AFTER u get the bill. And sure I know what r deductible and coinsurance amount is but there just isn't a way to expect what I'll be charged for any if the services. And u have to out a lot of trust in the ppl doing the billing. There's no way to know if u have been charged correctly or not.
What health insurance do you have if you dont mind, its ok if you do. Just wondering who to stay away from for future decisions if need be! Yikes. My insurance co is Cigna and we have HMO and before I even have services I am rendered the bill the first appointment with the costs of the whole thing and my portion. I can go on the website as well and look up what service I just had, how much it was and how much was paid out by me and the insurance company.



 
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Old Jul 1st, 2013, 17:09 PM   7
Guppy051708
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Quote:
Originally Posted by HHenderson View Post
Quote:
Originally Posted by Guppy051708 View Post

We pay $20,000 per ur for our health care coverage. It is over 25% of our annual income and honestly the biggest reasons we struggle to make ends meet.
WHAT!!! Is that even legal? Is there any way at the end of the tax season you are able to claim any of it back from what you put in? I swear there was a spot for that. I dont know anything about it though. That sounds nuts. Ill have a for you.
There is but not the premium (which is $550 per month for us). And we can only claim what we have paid for that year but not what owed. It helped us pass the standard deduction, but not by much. I think we were able to legally claim about $500 worth of the costs we incurred.



 
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Old Jul 1st, 2013, 17:11 PM   8
HHenderson
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Quote:
Originally Posted by Guppy051708 View Post
Quote:
Originally Posted by HHenderson View Post
Quote:
Originally Posted by Guppy051708 View Post

We pay $20,000 per ur for our health care coverage. It is over 25% of our annual income and honestly the biggest reasons we struggle to make ends meet.
WHAT!!! Is that even legal? Is there any way at the end of the tax season you are able to claim any of it back from what you put in? I swear there was a spot for that. I dont know anything about it though. That sounds nuts. Ill have a for you.
There is but not the premium (which is $550 per month for us). And we can only claim what we have paid for that year but not what owed. It helped us pass the standard deduction, but not by much. I think we were able to legally claim about $500 worth of the costs we incurred.
$500 thats it!? This is so horrible. There is no reason why anyone should have to pay that much out and get so little back considering how much you are paying in each month.



 
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Old Jul 1st, 2013, 17:14 PM   9
Guppy051708
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Quote:
Originally Posted by HHenderson View Post
Quote:
Originally Posted by Guppy051708 View Post
That's the thing I've noticed. If I go and get my blood drawn for some test or I get an ultrasound or I visit my endocrinologist (etc) I have NO clue what that cost is going to entail. There is no way to know what I'll end up paying until AFTER u get the bill. And sure I know what r deductible and coinsurance amount is but there just isn't a way to expect what I'll be charged for any if the services. And u have to out a lot of trust in the ppl doing the billing. There's no way to know if u have been charged correctly or not.
What health insurance do you have if you dont mind, its ok if you do. Just wondering who to stay away from for future decisions if need be! Yikes. My insurance co is Cigna and we have HMO and before I even have services I am rendered the bill the first appointment with the costs of the whole thing and my portion. I can go on the website as well and look up what service I just had, how much it was and how much was paid out by me and the insurance company.
We have Blue Cross Blue Shield of Massachesuttes. It is a PPO plan so the coverage is awesome BUT it comes at a rediculous price (as has already been established). It's not so much BCBS as to why we pay out so much, its bc DH works for a Fortune 100 company (Liberty Mutual) and they are not only private w health insurance but they are also privately funded. Which means Liberty mutual pays some and we pay some. The kicker is that Liberty isn't *really* paying it, its just that they charge ALL employees so much that everyone is basically funding it. It really dives me mad that a corporation that pays their CEOs and big wigs TONs of money and makes a killer profit every single year, can charge so Much for healthcare. It's all about the greed!

I know other ppl that have BCBS of Mass. But don't work for a corporation and they don't pay nearly as much as we do. I def think we pay what we do bc of Liberty mutual


We don't have coPays (we have a deductible and then coinsurance- on top of our premium)so we don't know what our bill will be ahead of time. We go to the appt and then they bill our insurance, insurance tells them what we are to pay, and then the facility we had the appt at sends us a bill for whatever ungodly amount.



 
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Old Jul 1st, 2013, 17:21 PM   10
HHenderson
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Quote:
Originally Posted by Guppy051708 View Post
Quote:
Originally Posted by HHenderson View Post
Quote:
Originally Posted by Guppy051708 View Post
That's the thing I've noticed. If I go and get my blood drawn for some test or I get an ultrasound or I visit my endocrinologist (etc) I have NO clue what that cost is going to entail. There is no way to know what I'll end up paying until AFTER u get the bill. And sure I know what r deductible and coinsurance amount is but there just isn't a way to expect what I'll be charged for any if the services. And u have to out a lot of trust in the ppl doing the billing. There's no way to know if u have been charged correctly or not.
What health insurance do you have if you dont mind, its ok if you do. Just wondering who to stay away from for future decisions if need be! Yikes. My insurance co is Cigna and we have HMO and before I even have services I am rendered the bill the first appointment with the costs of the whole thing and my portion. I can go on the website as well and look up what service I just had, how much it was and how much was paid out by me and the insurance company.
We have Blue Cross Blue Shield of Massachesuttes. It is a PPO plan so the coverage is awesome BUT it comes at a rediculous price (as has already been established). It's not so much BCBS as to why we pay out so much, its bc DH works for a Fortune 100 company (Liberty Mutual) and they are not only private w health insurance but they are also privately funded. Which means Liberty mutual pays some and we pay some. The kicker is that Liberty isn't *really* paying it, its just that they charge ALL employees so much that everyone is basically funding it. It really dives me mad that a corporation that pays their CEOs and big wigs TONs of money and makes a killer profit every single year, can charge so Much for healthcare. It's all about the greed!

I know other ppl that have BCBS of Mass. But don't work for a corporation and they don't pay nearly as much as we do. I def think we pay what we do bc of Liberty mutual


We don't have coPays (we have a deductible and then coinsurance- on top of our premium)so we don't know what our bill will be ahead of time. We go to the appt and then they bill our insurance, insurance tells them what we are to pay, and then the facility we had the appt at sends us a bill for whatever ungodly amount.
My MIL has the same thing! She hates it and always complains how its too expensive and un-affordable. I guess I would rather have co-pays. $15 isnt anything. I have deductibles and coinsurance as well but I have NO idea how the hell that is used. I guess with my maternity I have to meet a certain amount of deductible before its covered at the max but I have NO idea how that is even met. Sounds really stupid to me. Given the fact that you have PPO you would think your bills would be less in the end that you have to pay out of pocket.



 
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