Of course we chose cheap insurance this year since we weren't expecting to be pregnant. It looks like this baby will cost us between $8000 and $10000 out of pocket. Can I cry now?
Midwives - $6250 - out out of network deductible is $5000 so after the first $5000 we pay 40% so they will be $5500
Hospital - ??? - our in network deductible is $2500 so after that we pay 20%. I remember calling and asking what they bill for a vaginal birth for my last baby and it was about $8000. Since they just built a brand new hospital I'm going to say now it's $10000. So that would be $2500 plus 20% of $7500 which is $1500 equaling $4000.
Other - I know the 20 week ultrasound will be expensive and we will have to pay OOP for that but it will go towards the deductible making the hospital a bit less.
Other - Just picked up my progesterone supplement $80 for a month and I will take it for 2 months.
Other - Not sure how much my blood work today will be.
Thank God the hospital will do payment plans. We have to pay the midwives up front. Last time we put it on a credit card and just paid it off over a few months. But last time we had better insurance which reimbursed 80-90% after the much lower deductible.