*~* May 2013 - Spring Babies*~* 117 Jelly Babies - 22 Boy's & 19 Girl's - 5 Babies :D

[Courtney917]

Wow I cant believe they make you pay that Maybesoon!!! I have a tour of my hospital in a few weeks as well...so exciting!! The strange thing is I can go to one of two hospitals...depends on which doc is on call! I arranged tours of both...hopefully I will be able to go to the closer one .

My waters didn't break with DS1, they broke them for me. With DS2 they broke when I was at the hospital in triage waiting to see if they were going to keep me, lol. Well needless to say they did as I progressed from 5cm-10cm in a matter of 45 minutes!!

Lots of luck with HR jtink!!

 

[jtink28]

HR was great - he told me next time she asked, to tell her it was a "doctor's appointment," and that i didn't feel comfortable discussing my medical issues with her. if she has a problem, HR will talk to her. WHEW!

it doesn't mean she'll be any more pleasant, but at least i know that HR has my back!!

thanks ladies.

maybesoon, that is CRAZY that you have to pay $200 to watch a video about epidurals. wtf???? if you don't get an epidural, do you get your money back??? that's nuts!!!

 

[maybesoon]

Great news jtink!!! They say it is a requirement to watch the video or you don't get the epidural. They also say that the $200.00 will go towards your anesthesiologist bill but is non refundable.... I don't understand it because this is my first time. So I guess if I have to use an anesthesiologist for an epidural or for some crazy reason I end up having a c-section then the $200.00 will be applied towards it, but if not then I lose the money... So as my dh said, if you are gonna pay for the opportunity to use the drugs you might as well get the benefit of them!!!!

 

[jtink28]

anesthesiologist bill????

what happened to insurance????? isn't your insurance supposed to cover that? i pay a $200 admittance fee to the hospital, and then everything else after that is totally covered. that is crap.

 

[maybesoon]

Oh how I wish!!! Texas medical insurance SUCKS!!! I have a $2,500.00 deductable then the insurance only pays 80%. We are honestly looking (if the delivery goes well with no complications vaginally) at paying approximately $5,000.00 out of pocket for hospital & doctor bills to bring Mason home from the hospital..... And that is honestly really good insurance. My bff who works for a local hospital has the best insurance you can get in the state & hers is a pretty close to mine except that as long as she uses the hospital she works at they will throw out any charges not paid by the insurance company so her hospital stuff is pretty much free for her & her family....

 

[jtink28]

that is despicable. how awful.

we have to pay $400 total. ($200 per person - me and the baby)

it makes me feel sick that they call $5,000 out of pocket "insurance." terrible. do you pay a lot per month for your insurance?

 

[maybesoon]

Our insurance for just dh & I runs over $600.00/month out of our pocket. When we add Mason it will go up to a little over $825.00/month.... It's insane... And they wonder why so many people are quitting their jobs & going on medicaid!!!

 

[TTCBean]

Darn, our natural birth class was canceled tonight due to a lake effect snow storm. I love going, been looking forward all day! lol

 

[jtink28]

i almost passed out when i saw how much you pay out of pocket! your employer doesn't provide insurance, then? that is stinky.
i get insurance through my work, and i pay $245/mo for both my husband and i - it will jump up to $325 afte the baby is born. but since i have a chronic disease, $325 is a steal. (i get about $10,000 of medication and doctor's appts every month)

ugh, maybesoon, you need a new job with employer-sponsered health care!!!!!

 

[maybesoon]

That insurance is actually through dh's employer! They pay a certain percentage of the insurance and you are responsible for the rest. I have insurance through my employer, it runs them $600.00/mth per person but the deductable is $4,000.00 then 80%-20% but it doesn't cover maternity AT ALL!!!

I'm honestly looking at trying to go back to work for one of the 2 hospitals where I live. I worked at the one I'm delivering at from 19-23yrs old.... Now that I'm living back there I am thinking it will be worth the pay cut I will take not spending 10+ hours driving a week ($400.00 in gas monthly) and the time spent away from my kiddo plus they will pay for most of the insurance montly costs & anything done at the hospital is free from our end.....

 

[CupcakeBaby]

You poor ladies having to pay. As if having a baby isn't expensive enough!!

We moan about the NHS over here but we are really very lucky that our health care is free (comes out of our tax of course but you don't notice that like you would a bill)

I do have the option of paying £100 ($150) per night and getting a private room. Which I might consider if I'm in for a long.

 

[TTCBean]

US ladies: What are you doing for health insurance for your LO? My health insurance won't let me add him unless he has a medical condition, and DH insurance won't allow him to add either. I can only get 30 days of coverage after birth through my insurance for him. I keep Googling for health plans for infants, but I am coming up with nothing at all. Maybe Michigan doesn't offer infant/child health care? I am so confused with health insurance... do I just apply at a company as I would for myself, but for him?

At times like these I wish I still lived back home (Canada)!!! Health insurance sucks here!

 

[Courtney917]

That's insane about your insurance!! My husband works for a union and pays due pays of around 2K per year and that covers our insurance. Whats the point of having insurance through your company if you have to pay out 5k??? With my two previous children I had to pay a co payment of $300. The bill for DS2 was 100K due to him being in the NICU for two days, I can't imagine paying 80% of that! I bitch and complain about our insurance but I guess that is pretty damn good. The maternity coverage is 100%. They need to do SOMETHING in the US about the cost of healthcare it is appalling that some of us are faced with huge bills, no maternity leave (paid) and huge childcare costs. Ugh.

 

[maybesoon]

Cupcake I guess that's what pisses me off the most. We as a nation now have over 1/3 of our population on governmental assistance. The majority of those are on medicaid (which pays 100% of your medical). That is the #1 reason why our hospital emergency rooms are so packed. The people on medicaid will go to the emergency room for your common cold/flu/headache/stomach ache/etc. etc. because it is free. Their entire pregnancy, all testing, everything is free. Most of these people are working for "cash" & never pay taxes because if they report their income they won't qualify for this government aide. I have a cousin who she is due middle of February. She works "for cash" her fiance "baby daddy" has a fantastic job & comes from a very wealthy family. Yet she is on medicaid because "she" has no income. So those of us who do pay taxes are paying for her entire pregnancy, delivery & for her daughter's medical care for the next ____ years.... This is her second child to have this way. It is so iritating to me & pisses me off to no end, but what do you do.

Another thing here in Texas is if you need a procedure done, surgery, testing, etc. for example about 4 years ago when I was fishing BASS tournaments all the time I tore a little thing in my shoulder. I had to have an MRI. My doctor's office staff (my bff) called the place where I was to have the MRI done & asked them how much it was going to cost for an MRI of the shoulder if the patient didn't have insurance, their answer $300.00. She called back with my name & my insurance & because I had insurance my portion was $1,500.00!!!! Then I find out that if you don't have insurance the hospital will give you a 50% discount on your total bill, but if you have insurance, you are screwed. Not to mention if I would have lied to the place for the MRI on my shoulder & told them I didn't have insurance & paid the $300.00 then someone found out & turned me in, well that's insurance fraud & I could face criminal charges. It's a total nightmare & is completely backwards. The people who try to do right & be productive to the nation are the ones that get screwed the worst..... They honestly make it here to where you are better off, financially getting knocked up outside of marriage, not working, not paying taxes & just living off government assistance. It's pathetic.

 

[Courtney917]

TTC Bean: Why won't they let you add your child to your insurance??? I have always added my children to my health insurance and this has been through 4 different employers (2 of mine, 1 of ex husband and 1 of DH). I know I have 30 days to add the new baby, they just want proof of social security number.

 

[kezziek]

Don't worry too much about your waters going and taking you by surprise- I don't actually know anyone that has happened too. I was actually in early labour when mine went. Thankfully I had towels nearby and I had put a mattress protector on my side of the bed as I had been paranoid for weeks. When i went in the car I just sat on some towels. I was lucky in that i was on my bed on all fours having contractions when they burst so I just quickly leapt off the bed and grabbed the towels- most of it went on the floor which was laminate (phew) but it wasnt that messy. Then it just leaked out abit with every contraction but I did seem to have a lot of fluid with my first baby and he was big which is maybe why my hind waters were leaking for awhile before labour.

Second time I was quite far into labour and they had to break them for me which meant they just kinda slowly trickled out on the bed (lovely).

As for protecting your bed i just brought some of those disposable pampers sheets you use for kids when they are night potty training so they are only little but just give that bit of piece of mind without being horribly uncomfortable (last thing you need in the last few weeks). X

 

[Courtney917]

TTC: Look at this:

https://www.michigan.gov/mdch/0,4612,7-132-2943_4845_4931---,00.html

Not sure if you need a certain income to qualify, but I would check it out if you haven't already done so.

 

[maybesoon]

ttc.... I don't know... Do you qualify for WIC or CHIPS? I would try checking into those. Also an idea might be to call the pediatricians in your area & ask the staff if they know of anything. I'm lucky enough that we can add Mason to dh's insurance within 30 days of him being born.

 

[jtink28]

ttc, it's appalling that you can't add your own child to your insurance! i wonder why not? i like courtney, i have 30 days after the baby's birth to add him to my insurance. i don't even think i need his social security info. i just need a birth certificate. i would be so stressed - babies need tons of appointments, shots, etc. at the very beginning, too!

maybesoon, i totally agree with you about healthcare. i was just talking about this with one of my co-workers. america's social policies are absolutely terrible. almost makes me ashamed to be an american.

 

[TTCBean]

TTC Bean: Why won't they let you add your child to your insurance??? I have always added my children to my health insurance and this has been through 4 different employers (2 of mine, 1 of ex husband and 1 of DH). I know I have 30 days to add the new baby, they just want proof of social security number.

I think it's the type of insurance I have. I was denied from every company I could find because of a medical condition I have (Glaucoma), the only company I could find that would cover me only accepts people with conditions that get you denied from other companies. So that's why they won't add him... they said only if he has a medical condition and gets denied coverage from other companies. It's pretty messed up, I have no idea what to do.