It included things like:
$8 for each motrin (advil? Or whatever it was they gave me)
$30 for the plastic bag that hung at the bottom of the bed to catch the goo
$3 for a SAMPLE of lansinoh
$500/night for "infant-nursery" - I called to debate this because my son did not go in the nursery for one minute. But apparently they thing the little basinnet in our room warrants this charge.
and so on.... I think I saved it somewhere, but really looking at it just makes me angry.
Our entire birth/hospital stay was around $10,000, and we had to pay over $2,000 out of pocket. That doesn't include my prenatal care. It's sickening!
So glad we're going with a midwife/homebirth this time.
That includes the medication I got, also Lansinoh etc.
(if I'd had a shared room, i wouldn't have had to pay the 160 and also not as much as 700: when you ask for a 1 person room here, all the doctors that treat you are allowed to ask double fee)
My basic health insurance (that everyone over here has) covered the rest, don't know how much - that bill gets sent straight there.
I will get maybe half of the amount i paid back through my dad's extra health insurance that he gets through work (thankfully I've always been lazy enough not to change my address so officially I was still living with my parents until August , otherwise that wouldn't have worked).
Mommy to DD born August 2008
For my completely drug free vbac (no pit, epidural, etc), the hospital charged over $8000 but my (different) insurance paid $1800. I didn't pay a dime but my new insurance pays maternity in full.
Our CNM will be in the neighborhood of $3000+, we are paying her $125 a month because they want the majority of our portion to be paid before birth. Our portion will be about $1400, covering all the deductible and health care credit. That includes all prenatals, labor and birth, and the six-week check.
Then we pay the hospital stay, one for me and one for the baby. Somewhere in the neighborhood of...oh I can't remember just now. But it's insane, of course. Especially if you stay the recommended two nights. We plan to only stay one. Same nursery charge thing that pp mentioned, even if you don't use it.
Then you get all the incidental hospital charges--kleenex boxes, etc., plus things like the hearing test, PKU, etc.
Then we pay for whatever pediatrician is on-call to do the newborn exam.
Not to mention that all charges for the baby are separate, so the baby will have his/her own health care credit and $1000 deductible. Our family out-of-pocket maximum is $4000, and I'm guessing we will end up paying around $3000+. The only bonus is that then all the rest of my medical coverage for the year is completely paid for!
Then if you want you can get into how the insurance compaines are what make health care costs so high, because they make deals with the providers and only "allow" them to charge so much. If you don't have insurance, you get hit with the full amount, but the insurance companies pay much less.
|Yes, they do charge for every little thing - every IV, doctor, vitamin, pain pill, etc.|
Luckily, our insurance is decent, so I didn't have to pay a dime. But I don't recally what the total was.
It was a smaller hospital. I'm curious how the massive, & world-class Johns Hopkins would have charged. I was going there, but switched b/c they're not at all mother friendly. It seems (surprise!) that the best place to be when you're sick is NOT necessarily the best place to give birth!
But my husband worked for the hospital network so we got a discount by using the birth center that's associated with that hospital.
This time my husband has a new job (at an insurance company -- how ironic) and it will cost us $1500 out of pocket total, which includes all prenatal care, including all my testing and such as am high risk.
The $1500 is if I don't have a c-section, which would only happen if a life-threatening situation arose. I don't know how much it would be if I had to have a c-section.
I also see a midwife, but she's in a practice with OBs. That may or may not have an impact. I kind of doubt it, since I also saw some of the OBs for the high risk stuff early on.
I have no idea how much the total is before insurance pays. Ridiculously high, I'm sure.
ETA: And my monthly insurance premium is almost $600 (that's for me alone, not counting dh or kids).
My fear induced transfer for my second cost us $334 for me, and $186 for my son to be discharged.
Sami , wife to , mama to Tate 10/14/05, Kaleb 12/17/07, Bram 3/13/10-11/17/12, Alden 2/1/12, October 2014
In response to your other questions, yes you pay for many little things seperately. Meds are a seperate charge, the pads they give you are charged to your insurance so you might as well use them anyway. C-sections do cost more. You are charged by the day for your hospital stay. If I hadn't had state insurance as well I would have had to pay for 20% of my total bill plus they only would have paid for a 48 hours hospital stay after birth. I would also have had a $20 copay for all prenatal visits, plus a certain percentage of other tests.
I don't know what my hospital birth 9 years ago was. I paid $100 co pay but I have no idea what they charged insurance, something ridiculous I am sure.
birth #1's, I believe was in the $10K range. That was for a mw atteneded hospital birth with arom, demoral, iv and 2 night stay in 1998
birth #2 was just under $10K; birthcenter birth with hospital transfer for pp hemmorage, 2 night hospital stay. Drugs for the hemmorage but nothing in the birthcenter. That was 2005
birth #3 that was $35K, c-section for twins 5 day hospital stay. That does not include their nicu stay or any services for either baby beyond the birth. Their stay was all seperate because we were "double billing" and didn;t get covered until the twins were over 6mths old. Two babies=two bills who would have thought :
Bubba (9) Lukey (5) Fat Baby (2) Me
$20.00 co-pay to midwife for all prenatal care
$20.00 copay for a 1.5 minute visit with the back-up Dr. in case I had a c-section
$250.00 co-pay for hospital
Pam Cliff Malachi 5/08 Judah 5/10 Eden 8/12 Asher 8/12
You can't get a cup of tea big enough or a book long enough to suit me. ~CS Lewis
For my induction (still bitter about that one), I was admitted on a Thursday morning, had DS on Friday morning, stayed until Sunday afternoon. So I was billed for 4 day stay in hospital. They billed insurance for close to $6,000, insurance applied their discounts (the amounts the hospital has to settle for, varies among companies) & got the bill down to just over $2,000. We owed $300 for our cut after insurance paid. Doctor was paid 100% of his delivery fee of around $2500. This was all vaginal birth. If I'd had a c-section, like the doctor was getting ready to set up, I would have been charged for a vaginal delivery & c-section delivery by the hospital. According to them, even if I didn't have a vaginal delivery, they would of course charge for setting up for one.
They also billed nursery charges for DS that came to close to $2,000, insurance once again applied their discounts & got the bill to $500, then we paid like $50 of it. Also paid seperate for the ped to come & give the baby a look over when I delivered & again when we left. That was around another $50 total.
I also had an epidural, they billed $4,000 for, insurance got it down to $1,000, I paid $100 of it.
But, like I said, we were charged for everything. When I inquired what "hospital extras" were, I was told that was anything in the room, including the TV & chairs.
Insurance paid 100% of my prental visits, 80% of ultrasounds & labs.
mama to my boy (9/06) and my girl (3/09) and surprise due in May!
Mom to James ( 5/2006), Claire ( 6/2008), furry kitties Calvin and Bob, and wife to Dennis.
Surviving sleep deprivation one day at a time with dd (Oct '11) & ds (Oct '08).
I'm going with a homebirth this time and the total charge for everything would be around $4000, but my insurance should cover 80% of that.
S, mama to L(DD)-12/04, K(DS1)-12/06, C(DS2)-03/09 & B(DS3)-05/11