The miscarriage that I had for pregnancy #2 was by far the most expensive. I hemorrhaged and had an emergency d&c and a transfusion. We're still paying for it. Our insurance was much worse now since I wasn't working and dh's employer switched to HSAs with a $3000 deductible. I got an itemized bill. I think the out of pocket was around $6000. Total bill was around $9400
The bill was:
Ambulance $800 (for less than a mile drive)
ER $3000 (For my 45 min. of time there before I was rushed into surgery)
Anesthesia $1000 (Yes, this is a separate fee)
OR usage $1000
Blood transfusion. $350
Post Surgery $500
Mystery medication that they gave me at some point $300
SEMI-private room $400 (Semi-private means I got a curtain between myself and roomie but that didn't stop her from talking incessantly and blasting the TV at 2:00am)
$26 each for the two advil that I took.
This one pisses me off more than any other, $4 for bottled water when I had none and my dh filled up my cup with tap water.
I may have missed some, I'm doing it by memory.
For Dd2's birth we had her at home. Same crappy insurance as pregnancy #2. We met the $3000 deductible before the birth because my dh had to go to the emergency room. We paid our midwives fee of $2800 in advance and our midwives billed insurance and reimbursed us what was paid to them. I think our out of pocket was only around $300. It was worth every penny.
I paid 20% of that bill + $1000 deductible for each year in which I was pregnant (I met 2005 deductible at 20 weeks, then 2006 came and we started again) + 20% of all labs, US ect.
When I called to challenge paying for things I didn't use/get my insurance told me that they don't argue with bills from in-network providers.
Anyways total out of pocket was just under $5000. My insurance waived my $1000/night copy for hospital stay b/c I agreed to talk to their "baby-benefit" program nurse each month (which basically was a discussion about what could go wrong each month)
Next time I plan to use a MW for HB and save the extra money to extend my maternity leave an extra month.
But we have great insurance, so we paid $0.
This time, I've had a high-risk pregnancy. My health insurance has already paid over $20,000 in doctors fees and that does not include the OB, hospital, medication, NICU or most things. I think the total for me and baby (including several weeks of hospital bed rest followed by at least month in the NICU) will be upwards of $250,000.
Again, great insurance. Our bill will be $0. We won't pay a dime. Our insurance company will even buy me a breast pump!
Momma to DD (12/04) and DS (11/09) .
I survived 16 mos! Ask me about breastfeeding a baby with posterior tongue tie, high palate, and weak oral motor skills- whew!
$2700 - doctor fee
$500 - hospital charges for a 24 stay w/no anesthesiologist or epidural which included a room fee for Ella even though she was in the room I was already in. This made me so mad b/c it's basically double charging for the room and that was the bulk of the bill.
$200 - misc. lab fees during pregnancy
obstruct livery vehicles
I had a similar experience to Belle - I had a planned, non-emergency d&c for missed miscarriage earlier this year and the total bill before insurance was nearly 10k. It was under ga at a surgery center- I was there for 45 minutes in recovery and then went home. We have pretty decent insurance and paid about 1500.
I wonder what it would have cost before insurance for a c-section at the hospital associated with the surgery center I went to.. they have a c-section rate of almost 50%
I am one of the few Americans who can say that I have AWESOME insurance coverage! I haven't paid one CENT for my prenatal care, and the hospital is 100% covered as well. Plus I get to use Certified Nurse Midwives instead of just a regular OB. I am very, very fortunate.
The hospital billed the insurance 25K for the delivery, but they paid about 3k which I guess is the prenegotiated price.
It was a natural birth, nurse was with us until full dilation, then the CNM came. I got some lidocaine to stitch up the tears (yes, tears) and a Pitocin shot after placenta delivery because of excessive bleeding. I stayed from Monday night (delivery Tuesday noon) to Friday morning. I technically was released on Thursday, but DS wasn't released till Friday morning (low birth weight, preemie, jaundice, he was with us all the time, they just watched his progress and obsessed about his weight). We had daily visits from lactation consultants and I guess the bill included the use of the pump, the SNS system and so on...
I am so shocked! especially with how much is paid towards insurance every month. Here my DH brings home about $2000 a month after he pays about $500 off his checks for taxes, which include income tax and public health care, and the government never asks for more money come income tax time. When we go into the hospital we pay for a ambulance only if we call it ourselves, if a neighbor or stranger calls it's free. We pay extra for a private room, and pay for our tv and phone. But because of the poor hospital service when I went in I got that all free. The drugs while you are in the hospital are completely free, you only pay for scripts you fill after you leave if they don't send free stuff home for you. They also send you home with hospital panties, and pads. Breast pumps are free to use in the hospital and you can arrange to loan one free from the hospital if it is truely needed. Oh and midwives are free here too. they even send nurses to you home after for check ups, and you can even become part of free programs where a public health nurse comes buy once a week and teaches you how to play and interact with your baby as he hits milestones, and they show you tons of neat things to do. I think you all need to move to Canada. Or you can accidently have your kids here so they can get dual citizenship and just bring them up here for all the free healthcare they need. Not to mention all your specialists, and operations and proceedures are covered too. If I am worried about anything from a fever to vaginal bleeding I can walk into my emergency room any time for reassurance and walk right out after and never get charged. I'm so sorry but it seems like you are all getting screwed on your healthcare.
Ehhhh.... it depends. You pay about $6000 year in taxes. My dh pays half that and gets over a thousand back at tax time. With my corporate insurance, my employer paid the first $500 and I paid the second $500 pretax (so that the money was taken out before my taxes were calculated and therefore reduced my taxes since it looked like I was making less money). I then had another $1000 to pay out of pocket which I put in a flexible spending account so that it also came out pre-tax and reduced my final tax assessment. The most I would have paid out of pocket was about $3500 (a "catastrophic cap" preventing us from going bankrupt due to illness or emergencies) which is about the amount that your dh pays in taxes more than we do. My premiums covered ambulance (whether or not I called it), private rooms, dental and prescriptions. I got all that free stuff like panties, pads, diapers, etc (well, I'm sure insurance paid for it somewhere but I didn't see it!). They don't charge for breastpumps in the hospital and some insurances will pay for them to use out of the hospital, especially if you have a medical necessity for it.
I've had this conversation with Canadians before who want to faint when they hear what we pay but I am actually quite satisfied with my health care overall. My dh is military and we now use his insurance and we pay very little out of pocket (I won't pay more than $1000 and my taxes haven't changed; I also pay no premiums).
While the American system has definite drawbacks (healthcare is not guaranteed), it *does* breed competitiveness and competition. I have a friend (an old coworker) who is a dual citizen (born in Canada while his family lived in Maine) who moved his American family to Canada. They love it there and don't plan to return. But when he was diagnosed with cancer, they felt they were best off seeing specialists in the US (in Philadelphia).
My non-pregnant Canadian coworkers in Ontario were complaining that they had to go to clinic for their annuals because the only decent obs weren't accepting patients. That's a rarity around here.
So there are pluses and minuses either way.
Proud mommy 9/2004 , 11/2007 , 2/2011
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Libby , momma to my precious little girl (6/29/07)
and wonderful little man (12/1/10)
I really love my husband's insurance!
Mallory. Happily married to Joe since 6/25/05. Loving my adventure with my girls, Owyn Samantha, born 3/1/09. and Greta June, born 11/2/11
"Our lives begin to end the day we become silent about things that matter" ~~ MLK
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