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who pays for elective c-sections? - Page 3

post #41 of 52
Quote:
Originally Posted by alegna
This led me to an interesting thought. Maybe the birth climate would be better if we went back to when birth wasn't usually covered by insurance...

I'd be happy to pay for my homebirths out of pocket if everyone else paid for their births out of pocket...
I second that.
post #42 of 52
I've never heard of a c/s being refused payment by an insurance company, no matter the reason. I'm not saying it doesn't happen, but I think in general c/s are easy to justify.

Quote:
The title of this thread asks, "Who pays for elective Caesarean Sections?"

The answer is, "We all do."

WE all pay for them in the form of higher taxes, higher hospital costs and higher insurance rates.

If the baby is premature and has health or learning problems later in life, we pay for that also.
:

Quote:
I think I read that these days c-section and regular birthing costs at a hospital are comparable, therefore I don't think insurance companies have that large a stake either way a woman births.
In our area, the costs are quite different. The hospital costs are about $2000 for a vaginal birth versus $6000 for a c/section. Then there is also the difference in doctor fees--$2400 for a vaginal or $3100 for a c/s plus $500 for the second doctor who is required to be there at a c/s.

There has been a study done demonstrating that when insurance companies begin reimbursing a c/s birth at only the amount they reimburse for vaginal birth, the rate of c/s falls by 10% within a year.

Quote:
OK, I'm confused today, what is the difference between elective and convenience?
Obviously we need more descriptive terms. Generally emergency c/s means the decision was made after labor was in progress, and elective means the decision was made beforehand. The *reason* is not considered in either of these. IMO if the reason was a medically necessary one, then heck yeah it should be covered by insurance. If the reason was not medically necessary, then no it shouldn't. Obviously that's pretty open to interpretation though...

Quote:
Originally Posted by Sagesgirl
And if you say that "elective" c-sections shouldn't be covered by insurance, you encounter the issue of why should any certain type of birth be covered by insurance. You want insurance to accept your desire for a home waterbirth, then you'd better be prepared for insurance to accept Mrs X's desire for a c-section.
Ahh, see that's the biggest part of my gripe. My homebirth, which at $1800 is only a fraction of the costs incurred by any OB/hospital birth, was not covered at all. So, if my birth is not covered, then certainly I don't agree with a convenience c/s being covered. No births should be excluded from at least a basic coverage. Then if someone wants to go above and beyond the basic and doesn't have a medically necessary reason to do so, I think the difference should come out of their pocket and not mine (in the form of higher insurance costs).
post #43 of 52
OK, regarding elective vs convenience, I guess I wasn't considering the transverse and such as "elective" c-sections. I know technically for charting and billing purposes those are elective. In this discussion I wasn't considering them because really, while it isn't a crash c-section, it ought be considered emergency IMO since at some point it would be an emergency situation, I mean otherwise the baby aint coming out, YK?

So for the sake of this discussion, surely we aren't talking about who would pay for elective c-sections where a transverse baby or placenta previa is concerned, right? By elective in this discussion we mean pretty much the same thing as convenience otherwise I don't see there should be any question as to who should pay. If you need one you need one.
post #44 of 52
Quote:
Originally Posted by huggerwocky
There are states giving you the right to one? I am genuinely flabbergasted...Do other states have that law,too?
Suprised? If a woman has the right to choose an abortion, why would she not have the right to choose a C-section. Its her body! I do not agree with it, but you can not take one extreme and not accept another...
post #45 of 52
Quote:
Originally Posted by HeartsOpenWide
Suprised? If a woman has the right to choose an abortion, why would she not have the right to choose a C-section. Its her body! I do not agree with it, but you can not take one extreme and not accept another...
Exactly- but if insurance and the state don't cover one, why cover the other?

-Angela
post #46 of 52
Quote:
Originally Posted by alegna
Exactly- but if insurance and the state don't cover one, why cover the other?

-Angela
Because c sections are not the same as abortions. C sections enable life. If a woman is willing to bring life into this world, but wants it via c section, that's her right.

I have no problem with elective c sections being charged the extra money. In fact, it cost me more out of pocket to have a c section, even though I had placenta previa. I was fine with it.
post #47 of 52
[QUOTE=leomom]Because c sections are not the same as abortions. C sections enable life. If a woman is willing to bring life into this world, but wants it via c section, that's her right. QUOTE]

Exactly - to compare C/S and abortions is actually quite offensive to me.
post #48 of 52
[QUOTE=TCMoulton]
Quote:
Originally Posted by leomom
Because c sections are not the same as abortions. C sections enable life. If a woman is willing to bring life into this world, but wants it via c section, that's her right. QUOTE]

Exactly - to compare C/S and abortions is actually quite offensive to me.
Yes. I may have accidentally started that. I get a little defensive when people condemn elective c sections because most of those women are pro choice under the "it's my body" stance. I find it odd that those same women oppose elctive c sections.

Ironically, I am against abortion, but I think I should have the right to decide how I have my baby.

I brought it up to say that if you are pro choice, you might want to rethink your open condemnation of elective c sections. This of course is still off topic. We were talking about who should pay for it...I think?!?! :LOL
post #49 of 52
Thread Starter 
Quote:
Originally Posted by alegna
This led me to an interesting thought. Maybe the birth climate would be better if we went back to when birth wasn't usually covered by insurance...

I'd be happy to pay for my homebirths out of pocket if everyone else paid for their births out of pocket...

-Angela
No,sorry....like that the cost stays with the women, or do you want dads to be forced to pay 50%?
post #50 of 52
Thread Starter 
Quote:
Originally Posted by HeartsOpenWide
Suprised? If a woman has the right to choose an abortion, why would she not have the right to choose a C-section. Its her body! I do not agree with it, but you can not take one extreme and not accept another...
Well, it sounded like you're legally entitled to one leading to the insurance therefore has to pay.
post #51 of 52
Thread Starter 
[QUOTE=leomom]
Quote:
Originally Posted by TCMoulton

Yes. I may have accidentally started that. I get a little defensive when people condemn elective c sections because most of those women are pro choice under the "it's my body" stance. I find it odd that those same women oppose elctive c sections.

Ironically, I am against abortion, but I think I should have the right to decide how I have my baby.

I brought it up to say that if you are pro choice, you might want to rethink your open condemnation of elective c sections. This of course is still off topic. We were talking about who should pay for it...I think?!?! :LOL

I agree a woman should have the birth she wants,regardless of what that actually contains

I'm just trying to learn more about the american health care system...and truly did not have an answer to this.
post #52 of 52
[QUOTE=huggerwocky]
Quote:
Originally Posted by leomom


I agree a woman should have the birth she wants,regardless of what that actually contains

I'm just trying to learn more about the american health care system...and truly did not have an answer to this.
Right...I know...sorry... I just got all fired up in the debate that ensued off topic. I've got dh searching for the legalities now and I'll post a link when he finds something.
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