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Medical Bills - How much will yours be?

post #1 of 52
Thread Starter 
I'm getting sick of medical bills already! I know I shouldn't complain because we do have insurance, even if its not super. But I feel like most of my friends pay $100 for the hospital and are done.... So, how much will yours be?

Midwives - $2860 ($6250 out of pocket at 30 weeks... should be reimbursed about 60% after we hit our $600 out of network deductible a few months later)

Bloodwork - $300 so far

Hospital - 20% which they said is about $1000-$1400 a day - can't HBAC with a midwife in NJ or they can lose their license

Ultrasounds, etc. - 20% $???? I really want to find out the sex but if its going to be a lot we can't afford it.

DS was almost $3000 in bills but I had a sucky induction and c/s. You'd think having a nice VBAC with a mw would be cheaper.
post #2 of 52
Sneaking in from November...

With our private insurance I would have owed the doc $200 for the pregnancy, and 20% of all the hospital visits. All my ultrasounds were covered 100%, but we owe 20% for the amnio.

Our income recently dropped, and our states medicaid program picked me up so we won't owe anything.

Our old insurance we had a $5000 deductable, and then they only paid 70%, I'm so glad to have good insurance this time around!
post #3 of 52
i was up until 2 this morning trying to figure this out. we had AWESOME insurance with DS. i think we paid $235 all together including 5 days in the hospital (3 of which i was in labor). of course it has changed in the 2 years since, and now we have co-insurance... after we reach the deductible. i think if the baby were to be born this year, the most we'd pay out of pocket for the whole year (so maternity care included) would be $1,000. since the baby is due in the next calendar year, we go back to zero with our deductibles, so we'll be paying at least another $1,000... unless we switch to a more expensive plan that would cost us almost that much more in premiums. Still haven't decided. (Still can't quite make sense of all the paperwork.)
I know it could be TONS worse, but it was a shock to go from paying very little to paying medical bills all the time.
post #4 of 52
Our "insurance" has a $5650 deductable per calendar year. And I'm due two weeks into January! Ha! So probably NOTHING is covered! Even if I end up in the hospital. (unfortunately likely since I've had two c-sections, but I'm hoping and planning not!)

Even if I somehow hit the deductable (hope not--only would happen if one of us has a catastrophe) they only reimburse up to $1500 for doctor/midwife fees and $3000 for hospital fees.

So, so far it's cost me $4000 for midwife and $165 for one blood test. In two weeks I have to have an ultrasound that I have no idea what the fee is but I'm guessing $500-$600 based on the bill from my doctor (different place) last time.

It just makes me mad that we're even paying for "insurance." And maternity coverage to boot! Over $1000/month for the four of us! And it never covers ANYTHING! We're definately switching as soon as the baby is born!
post #5 of 52
When all is said and done, (if things go as planned) we'll have spent about $1500 out of pocket for our midwife attended homebirth.

Not included in that is the birth kit, tub, etc. or vitamins. No yoga or doula - can't afford it.
post #6 of 52
OH MY GOSH!!! are you all kidding????

So far this baby has cost me prenatal vitamins and ensure!

THANK GOD FOR OHIP!!! I really don't know how we could afford to have a baby if we didn't live in Canada!

It cost us NOTHING to have our son, my dh even loved that we didn't have to pay gas to get to the hospital or parking since he was homebirthed....we're planning nothing for this birth as well
post #7 of 52
our midwife will cost us $3000. Alberta does not yet cover midwifery in their health insurance plan. they are talking about it but it hasn't happened yet.
post #8 of 52
DD cost me $30, that was two 15 co pays since I switched provider from OB to midwife!

Cop pays have gone up for birth centers to $150. I have to pay $100 for the overseeing Dr to approve me (BMI issues, high but borderline), then $175 for the tub, my last birth center covered it all, so..... but I stay here it will be a little over $500 for the birth, vitamins and travel to appts
post #9 of 52
i should add that with dd's birth in Jan 07 we didn't pay a thing. i had an OB, emergency hospital stay over Christmas, emergency c-section, 16 day stay in the NICU, breast pump rental, and 1week hospitalization for PPD and we never saw a bill. we were living in Toronto then. if we went with an OB for this one it would be free too, but i really want a midwife.
post #10 of 52
Probably close to 2000$, all told. The midwife's actual fee is 1500, plus a mileage fee (about 150$) plus 80$ for the birth tub, plus about 100$ so far for supplements (!!) plus gas to and from prenatal appointments (which is an hour each way, so not negligible).

My hospital birth with my first cost us roughly 800$ out of pocket. So the midwife is more expensive- SO worth it, though. I'm getting much better care this time.
post #11 of 52
If all goes perfectly, I'll have paid $1700 to the midwife, something like $50 for homebirth supplies, a little extra for a GBS test (done by the midwife, not sure of the cost yet), and about $125 total to the back-up OB. So, a grand total of less than $2000.

(Then, there's the $160 the doctor is trying to get me to pay for tests I didn't authorize... but that should be resolved through an insurance dispute. Grr.)

If I end up transferring... ick. I have a $5000 maternity deductible, so even though the baby is due in January, that carries over. After $5000, insurance kicks in for in-network providers at 80%. I would be looking at up to another $2500 out-of-pocket before insurance hits 100%. That would be on top of what I'd paid to the midwife, so... I'd probably be looking at close to $10,000 by the time it was all said and done.

We're definitely hoping that DOESN'T happen.
post #12 of 52
We have private insurance and I have a $1500 deductible- so that is what I will end up paying I am sure. But I was clever and ended signing up for AFLAC- so they will pay me- so I don't think it will cost a thing....
post #13 of 52
My midwife hasnt told me what their fees are yet! I';m hoping to find out on the 12th. I'll have to ask. I think my first u/s was $25, I assume the second will be about the same. I believe all the blood work I had done (3 betas and a prenatal screening) was about $75-$100. Our insurance will pay 80% of whatever the midwife costs, so I just need to find out
post #14 of 52
Our deductible is $500 and then we'll pay 20% after that...$1000 max OOP. I usually only stay 1 day in the hospital, no epidural, essentially just R&B, so it's not too bad. We didn't even hit our $1000 OOP last time.

But, those of you with insurance through employers, be thankful to them. My dh is self-employed with his own small business, and our family's monthly premium alone is $1400. That doesn't include the $450 that we pay for each of our employees that are covered.
post #15 of 52
Quote:
Originally Posted by gwerydd View Post
our midwife will cost us $3000. Alberta does not yet cover midwifery in their health insurance plan. they are talking about it but it hasn't happened yet.
Thats really sad! HOPEFULLY SOON!!!!! I wish it would just go straight across the board for all Provinces
post #16 of 52
I have a $600 deductible so it will be around that much. We've met our family deductible for the year so most of my lab and u/s will be paid for. So on one hand it would be nice to deliver this year so that I would have still met the deductible.


I think the hospital will be around $4500 and the doctor will be $3500. For the baby it will all be around $800.


1
post #17 of 52
$0 for the birth. Thank goodness for OHIP, I wouldn't be able to afford it otherwise.
post #18 of 52
Quote:
Originally Posted by caiesmommy View Post
Thats really sad! HOPEFULLY SOON!!!!! I wish it would just go straight across the board for all Provinces
i know. it's regulated here but not funded. : we've been appealing to the conservatives sense of greed by telling them midwifery is cheaper. they seem to finally be listening. but government is slow so i'm not expecting anything soon, certainly not in time for this baby.
post #19 of 52
Well, our insurance will pay a lot but we will only pay $200 +30 out of pocket. Everything else is covered by insurance. The $200 is our co-pay for the pregnancy and birth. The $30 is two $15 co-pays for providers I saw once and opted not to use. All blood work and the 5 ultrasounds I have had due to a history is recurrent miscarriages have been covered 100%. We see a private practice midwife and will be birthing at a hospital birth center that is mostly midwives and has an only 12% c-section rate. This is a VBAC.

My husband works for a large not for profit hospital. Their insurance is stellar, one of the reasons why he applied to work there. Our insurance is 100% employer paid for my husband and my son (and the new baby) and we pay a tiny monthly amount to add me. I suppose that is a cost, but one that I would be incurring regardless of if I was pregnant or not.

Other birth related expenditures will be:

-$275 for a labor tub from a private service
-$150 for the hypnobabies self study course
-$225 for a intensive birthing class
post #20 of 52
Quote:
Originally Posted by caiesmommy View Post
OH MY GOSH!!! are you all kidding????

So far this baby has cost me prenatal vitamins and ensure!

THANK GOD FOR OHIP!!! I really don't know how we could afford to have a baby if we didn't live in Canada!

It cost us NOTHING to have our son, my dh even loved that we didn't have to pay gas to get to the hospital or parking since he was homebirthed....we're planning nothing for this birth as well
canada is SO different from the situation in the US. i realized that very clearly when i watched documentarian michael moore's film, SICK.

we're on HMO so most likely none of our self-selected homebirth midwife costs will be covered ($4000 all inclusive, + a bit more for lab fees, tub rental, etc.). BUT, given hospital births are more expensive, i'm guessing even if we were to chose that and insurance covered some of it, we'd be at a similar grand total in the end.

our backup OB/GYN _is_ covered by insurance so will be $40 copay per visit i think.
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