I called my HMO (United Healthcare) last night and got the skinny on how the birth is covered. The part that worries me is that while it's a percentage for the provider's fee, and a flat rate for my hospital stay, it's a percentage (they pay 80% and I pay 20%) for the baby's hospital stay as well. I have no idea at all how much to expect that'll be, and it worries me a little because if there are complications with her, then what? I know we'd eventually hit the out-of-pocket max but I'd kind of prefer not to, you know? They do have an estimator on their website but it's telling me it thinks it'll be $50, and that the care is administered in an office, so I am not sure it's correct.
Obviously all plans and providers are a little bit different, but I was wondering if anybody could volunteer me a ballpark figure for the costs of baby's stay in the hospital? I'm just trying to figure out if I want to plan for paying 20% of $100, or 20% of $2000, or somewhere in the middle.
(I'm debating putting the "I do not consent to" language in my birth plan, which I didn't initially have in there, but as if I didn't want certain procedures for baby already, now I want them even less, and if I've stated up front that I don't want them, then it would probably be easier to get out of paying for them if they charge me.)
I didn't have insurance when my 4 year old was born. Our hospital bill was $4000 for a 48 hour stay (for both of us), I wish I could find the itemized bill now though to break things down. There was no provider fee because we were a home birth transfer. I didn't have a epidural or IV but I did have pitocin to help birth the placenta. She had 48 hour monitoring for GBS, Vitamin K, and eye ointment. She also had a hearing test and blood work up.
Evergreen- Loving my girls Dylan age8, Ava age 4 and baby Georgia (6/3/11).
I had a C-section with my last, my bill was well over $30,000. LO's bill included a $1700 per day charge for the nursery...that he never stayed in.
There's the hospital's full price charges and then there's the negotiated rate that United Healthcare will actually allow them to get away with. That's a huge benefit of having insurance. Even if you have to pay 20% it will be of a much smaller total than if you paid out of pocket. My son was 2 born years ago, uncomplicated vaginal hospital birth with 48 hour stay after, nothing extra at all, and I want to say his portion of the hospital bill was around $700 at the negotiated rate.
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