picking insurance *USA ladies*

Discussion in 'Baby Club' started by Viking15, Nov 17, 2011.

  1. Viking15

    Viking15 Mommy

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    Hi ladies,
    I am barely pregnant, and up against the clock trying to figure out which insurance plan to pick.
    Does anyone remember how much their labor and delivery cost? I know the doctor's bill alone will be around 4500 dollars. My cost after insurance will be 1840. However, this doesn't include the actual hospital charges. Any ideas ladies?
    Thanks so much. I have asked the insurance company and they were somewhat helpful, but they can't tell me which one to pick.
     
  2. Viking15

    Viking15 Mommy

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    No one remembers what their hospital bill was?
     
  3. Ozzieshunni

    Ozzieshunni Guest

    Hun, most of the girls on just now are from the UK. There are some US girls on here too. It might help if you edit your title to include *USA Ladies* :)
     
  4. BabySeal

    BabySeal Mom of a Baby Boy!

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    The insurance covered a rough estimate of 10,000 I think for the hospital delivery. Normal vaginal delivery, 2 night stay.
     
  5. tinkerbellkj

    tinkerbellkj Well-Known Member

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    I would pick the highest coverage as possible. I know with my plan I pay 20%, they pay 80%, but maxes out at a $2,500.00 deductible. So I ended up paying $2,500.00 and then my son had another deductible to meet, so all in all it wasn't cheap, but certainly better than if I had no insurance! I know if I had picked the 'lower' plan, I would have had to pay 30% or a $4,000.00 deductible, so I'd go with the highest coverage/lowest deductible if I were you.
     
  6. PAgal

    PAgal Well-Known Member

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    Didn't want to read and run, being a USA lady, but I have insurance through my employer and it pays everything so I have no idea what the actual bills were. The most common insurance around here is Highmark blue cross/blue shield and I had that when I was paying my own insurance too. I had the high deductible where I paid the first $1200 and everything else after that was mostly covered. But I wasn't pregnant then.

    Good luck:)
     
  7. tabitha561

    tabitha561 Gary,CAYLEE,Zoey,Beetle

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    I had a C-section and a 3 night hospital stay my insurance paid for everything..I had a very complicated pregnancy and delivery so yours prob wouldnt be that much. I had 5 doctors in the delivery room. I think I had to pay 600 dollars to the doctor and that was it it.. My whole bill was over 25,000 dollars. BTW I have employee insurance through my husband.. It might be different for you.
     
  8. Viking15

    Viking15 Mommy

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    Wow, PAgirl your insurance is amazing! Lucky you!
     
  9. cheese lover

    cheese lover Happy mom of 1

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    I picked the highest coverage I could which was a $250 deductible and 90% paid after that. I paid around $500 total for me (vaginal delivery, assisted, epidural, and 2 night stay) so it must have been around $5000. LO was way more out of pocket. We put her on DH's insurance initially since I wasn't up to working on health insurance at the time and his deductible was $500 so her bill was over $750 because she had to have antibiotics and several blood tests. So before insurance her bill was probably around $3000.
     
  10. Viking15

    Viking15 Mommy

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    I'm still having a very hard time deciding. Any ideas? These are the two best options.

    Option One:
    Higher premium (approximately 40% more per paycheck)
    Lower Deductible 2,000 until delivery then 3000 when adding the child to the plan
    After deductible met costs covered at 80%
    Prescription co-pays in tiers

    Option Two:
    Lower premium
    Higher Deductible 3,500 until delivery then 4500 when adding the child to the plan
    After deductible met costs covered at 90%
    No Prescription coverage until the deductible is met

    My husband and I chose the option two last night but I am second-guessing now.
     
  11. brunette&bubs

    brunette&bubs Mommy to James

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    We have insurance through my husbands employer...so its all paid for and we had reached our deductible before getting pregnant.

    I never actually looked at my bills but I know labor and delivery isn't cheap!

    BTW.... we have BC/BS of Nebraska
     
  12. Viking15

    Viking15 Mommy

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  13. feedindy

    feedindy Well-Known Member

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    My Dh has a government job, and we have Blue Cross Blue Shield Basic through his employer.
    I had a vaginal delivery and 2 night stay.
    For all prenatal care (doctors visits, ultrasounds, lab work) I paid a total of $90 (3 copays $30 each)
    For birth the hospital bill showed $29,032. But it was all covered and I paid $150 copay.

    So in the end I paid $240 total from beginning to end.

    Monthly cost of insurance taken out of paycheck to cover all of us is $240. Work covers 50%.
     
  14. Dancerforlife

    Dancerforlife Well-Known Member

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    I agree with the posters saying get the best you can. I found out I was pregnant a month after open enrollment so couldn't change it and had gone with the second best. Kicked myself the whole time as the best covered EVERYTHING.

    My hospital billed the insurance company 10,300 for the delivery and the doctor billed insurance 1850 separately for the delivery. Between the two after insurance we paid 480. Also was billed separately for the epidural which I can't remember what they billed the insurance company but we paid around 150 after insurance. We have Aetna with a 100 dollar deductible and 10/90 coverage.
     
  15. angel2010

    angel2010 Cart & Emma's mom, 1mc

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    I had Blue Cross Blue Shield from Walmart and the plans they offered were crap. I ended up paying around $5000 for induction leading to emcs, including doctor visits. I would def go with the best possible option.
     
  16. lisaf

    lisaf Super tired new mom

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    Mine had a low deductible, but then had 90% coverage with a max out-of-pocket.
    Since we ended up with a NICU stay, we pretty much paid the max out of pocket for both me and the baby. $4k total
     
  17. Viking15

    Viking15 Mommy

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    Thanks for all the replies ladies. Unfortunately my insurance plans aren't nearly as nice as some of yours! I think we will stick with option two. We end up paying more upfront, but after the deductible is met ( and I'm sure it will be this year) we end up paying less overall. Thank goodness for money in my savings acct!
     
  18. TattiesMum

    TattiesMum Well-Known Member

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    I and many others moan constantly about our country, but you girls have just made me very grateful that I live in the UK :hugs::hugs::hugs:
     
  19. lisaf

    lisaf Super tired new mom

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    Oh, I forgot... I had a long labor, pitocin, antibiotics for Group B strep, phentinol and eventually an epidural.
    My hospital bill was $38,000 with another $1500 for the epidural
    My son's 2 day NICU stay where all he had was a saline IV and a few ex-rays was $15,000
     

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