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Medical Bills - How much will yours be? - Page 3

post #41 of 52
Quote:
Originally Posted by Taryn237 View Post
Luckily medical bills are interest free. We just paid $100-200 a month until my bills from DS were gone (right before his 2nd birthday....).

How much are taxes in Canada? In NJ our sales tax is 7% but property tax is very high. Thats why we don't have a house yet. For a small home (2-3 bedrooms from $250-300K) in our area they are atleast $5000 a year. I'm pretty sure 18-20% comes out of DH's paycheck but we did get back a little this year... maybe 2-3%.
Truthfully where we are(suburb in ontario) taxes are around the same I believe...BUT i know our personal property taxes are much cheaper...but dh got the same taken off his paycheck(before he was laid off lol)
post #42 of 52
$4,500 midwife, $500 doula, plus prenatals. If I have to transfer to the hospital, then about 10% of whatever that will cost.

It's really demoralizing, isn't it? Envious does not begin to describe what I feel toward you lucky Canadian mamas!
post #43 of 52
the income tax in canada depends on how much you make of course.
i make about $50k and have about 25% of my income taken off each paycheque, but this is not just income tax (my tax contribution is just over 17%) - the remainder includes unemployment insurance and the canadian pension plan contributions.
as for property tax that is entirely dependent on the community that you live in (not really dependent on province) and the worth of the property itself. i'm a renter so i can't really speak to property taxes.
post #44 of 52
i just have to clarify that midwifery is legal in Alberta, it's just not funded yet. i have a certified, registered midwife but i have to pay out of pocket because it is not yet funded by provincial health care. : hopefully soon.
post #45 of 52
Quote:
Originally Posted by caiesmommy View Post
Where are you around?...The ward thing really bothered me when I thought I would have to have a hospital birth with ds(thank goodness he came so quick we had him at home lol) but when we went to cobourg hospital for a tour they said yes yuo may have to share but it had only happened twice since opening at that point...really nice hospital if your around there
I don't think our hospital actually has ward rooms for L&D anymore. There would have to be quite the baby boom. : It now has LDRP rooms, so one room from start to finish.

With my daughter, I was in a labour room, moved to a delivery room becuase of meconium, then in a semi for a night, and then a private the second night.

With my son, I was in the new LDRP rooms, but I only stayed for 2 hours after his birth.

From what I hear, they will double post partum moms in the new rooms if necessary, but people are so quickly sent home that I don't think it's usually a problem.
post #46 of 52
Quote:
Originally Posted by soybean6 View Post
in British Columbia (where i live) midwives can deliver in hospitals (this varies from province to province), so even though i have a midwife i have chosen to deliver in a hospital and will be able to have an epidural if i chose to. also if i need an emergency C-section this will also be covered by our provincial health insurance.
Hospital privileges really vary from town to town. Where my parents live, midwives do not have hospital privileges. Where I live, (at least at the time of my son's birth) they can deliver babies in hospitals, but cannot maintain epidurals, even though they are trained to do so. It's just the policy of that hospital. If I were to go to the hospital under the care of a MW, and choose an epidural, my care would be transferred to the on call OB, and my MW would then remain but only as a support to me. She would not deliver the baby. It really is ridiculous. It just serves to keep midwives from practicing to their full capacity and also denies women their full range of options in birthing.
post #47 of 52

Baby costs

We are currently pregnant with baby #6 due between jan 11th-13th.

our first 3 were birth center births and all we had to pay was co-pays of $10-$15 per provider visit and any perscritions that were written out. My husband had great medical coverage at the time so there was very little cost. I stayed 2 days in the birth center for the 1st baby, 12hrs for the 2nd baby, and 1 day for the 3rd.

For baby #4 we had a homebirth with a CPM who charged $2000 for all our prenatal visits, one home visit prior to the birth, her presence and assistance at the birth, her apprentice, and 3 home visits postpartum. Basic urine tests and blood glucose were included, but any extra needed labs or u/s (which we didnt have) were extra. Our insurance at that time paid a good share, but we had $800 out of pocket to deal with plus the homebirth kit(which was mostly a bunch of nonsense, we could have used stuff hanging around the house with a couple minimal purchases at Wal-Mart). We were pretty tight on $ at that point in our lives, so we also bartered a $400 computer system and had $400 left to pay, which we did at a rate of between $80-$100 a month.

For baby #5 we decided on a Uc homebirth. I had prenatal care done thru a local OB and our insurance covered 100% of those exams includnig labs and u/s. Our only expenses were our birth pool, which was about $40. We had plenty of sheets and towels and tarps and all those goodies on hand at home. Oh yea, we might have spent about $6-7 in parts to hook our garden hose up to the bathroom sink, but it was next to nothing cost wise. We plan to do the same this time around for #6, and will only have the expense of another pool again. (Our cats got a little too exuberant when we stored the last one!)
post #48 of 52
Quote:
Originally Posted by sarahmagoo View Post
Hospital privileges really vary from town to town. Where my parents live, midwives do not have hospital privileges. Where I live, (at least at the time of my son's birth) they can delivery babies in hospitals, but cannot maintain epidurals, even though they are trained to do so. It's just the policy of that hospital. If I were to go to the hospital under the care of a MW, and choose an epidural, my care would be transferred to the on call OB, and my MW would then remain but only as a support to me. She would not deliver the baby. It really is ridiculous. It just serves to keep midwives from practicing to their full capacity and also denies women their full range of options in birthing.
WOW!!! I never heard of this! Where I am...in Ontario(Durham region)

Midwives can deliver at home(or your choice of place..ie..friends house, ect). at the designated hospitals(mine work out of two(one really nice relaxed hospital(after 37 weeks), and one thats more medical and works with preemies)
They cannot administer drugs ie. epiderals but if you want that its called in and the dr gives it to you and then the midwives monitor you and are still your prime care giver...

Also if its home birth they "check in" on you atleast 3 times that first week(WHICH IS GREAT) and they follow up with you and babe for the first 6 weeks
Hospital birth they visit you in the hospital until you go home then im not sure if they visit you at home or you go to them.
All covered by ohip

PS...epiderals are covered with ohip....curious as to how much they "cost"?
post #49 of 52
Quote:
Originally Posted by caiesmommy View Post
They cannot administer drugs ie. epiderals but if you want that its called in and the dr gives it to you and then the midwives monitor you and are still your prime care giver...
That is how it should be, and they all have that training, but it's a restriction imposed by the hospital. Supid, I know. But, it's that extra motivation to go drug free. :

Where I am, they can do homebirths or hospital births, which I don't think was totally clear in my previous post.

I had my son in hospital. They still do the post partum home visits. We got visits at 12 hours, day 3, and day 5. After that, you go to them at 2 weeks, and again at 6 weeks. After that, mom and baby's care is transferred to the family Dr.

Oh, and they also do one regular prenatal check up at home, so that they know where you live before you go into labour. Chances are really good that they'll be at your house to check you out even if you're planning a hospital birth.
post #50 of 52
Honestly fairly close to $0. We're planning a UC, so all of that is free. lol We will have to pay for my prenatal care with my midwife, and I'm not sure how much that is apart from a birth. I know we paid $900 or so for DS' hospital induction birth + prenatal care, so I can't imagine prenatal care will be much.
post #51 of 52
Quote:
Originally Posted by soybean6 View Post
i don't understand how middle and low-income mothers/families in the USA can do it. i know our taxes are a bit higher here, but they aren't outrageous and as a result we get great health care (and subsidized university too!)
In most US states, all low income mothers qualify for free prenatal and delivery insurance through the state (some cover midwives). In many states, moderate income women can get pregnancy medical coverage via the state for little to no out of pocket cost. In fact, low and moderate income families can buy state insurance for all services in my state for a reasonable cost. It's sliding scale, and the income limit for a family of 4 is just over $4400 a month. We have a much higher income than that and we get insurance through my husband's part-time employer. I am not saying I don't wish there was a federal system in place, but there are more options than just paying out of pocket for many families here. I do feel bad for moderate income mamas in states where they don't have a better state program for maternity health coverage.
post #52 of 52
Quote:
Originally Posted by LoganBsMom View Post
I am so envious of you all!! I have a private health insurance with no maternity coverage. I applied for the states healthy kids insurance for pregnant women, we miss the income cutoff by about $200 a month, ughhh.
If you can lower your income by $201 a month, I'd consider doing it. My friend was $100 over the limit for having her day care paid for by the state. As a single mama, she needed that assistance. You'd think a more reasonable system would have her pay that $100 towards the childcare rather than say "well, you make $100 extra, so here, you pay the full $900 monthly bill now.": So she talked to her employer and they agreed to give her that $100 as an expense reimbursement. Some might think this is bad, but what other choice did she have? A $900 bill would have meant choosing between rent and food. Another option is to see if your hours can be cut slightly to drop you to the limit. They will let you reapply.
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