HOLY MOLY that was expensive!!! - Page 2 - Mothering Forums

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Old 05-19-2008, 12:07 PM
 
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It's insane what insurance companies charge in this country.

If there's ever a revolution, it'll be over health care costs.
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Old 05-19-2008, 01:31 PM
 
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My youngest was around $80,000. as far as I can tell, we did get an itemized bill from the hospital with most of the charges, but a few of the specialists were separate. He was born at home and then we transferred in, UC and they tried to charge me for the birth and for the epidural, after I noticed it on the bill I called and debated with the hospital and the insurance company. The conversation was very interesting:
hospital billing employee: Hi
me: Hi, I received a itemized charge list and I noticed that we were charged for an epidural, I didn't have one so I would like that removed from the charges.
hbe: Um, well I would like to remove that for you but we have to charge for services rendered, so I will have to leave it on the charges.
me: Yeah, well it never happened so I would like to have it removed. I gave birth at home and I did not have an epidural.
hbe: Um, well you must have had an epidural, it was charged and they are routine.
me: You must not have heard me correctly, my child was born at home and I did not have an epidural, in fact I did not have any medication and there was no doctor or nurse present, so I am very sure that there was no epidural. I am relatively sure that if the hospital persists in this type of charge it would be considered fraud and I wanted to give you all a chance to rectify it before I call my insurance company.
hbe: Well, I am not sure what is going on here, I am looking at your bill here and it says that you had an epidural, so I will have to make a notation on your record and I will have someone get back to you. Are you sure that you didn't have an epidural, I mean it can be very confusing during labor and birth?
Me: ARE YO KIDDING?????? I did not have an epidural, the only person who would have had the ability to place one at my birth would have been my husband and he is an electrician, not an anesthesiologist!!!! I think that I would have remembered having an epidural at home, so no, I don't think that I overlooked it.

This was followed by a very similar conversation with the people that finally called back about the issue and then I called the insurance company and they were for some reason very happy to hear that they had been overcharged. This was not the only thing that was charged for that never happened, they charged for including the birth and postpartum care, which since I was admitted to the hospital they had a right to charge for ( so they claimed) and the insurance company made them split it and charge separately for everything, which I reviewed and made sure it was legit.

I can say that I do have some fear about ever having to have to go through more medical bill ever again, I wasted many hours having to deal with incompetent and useless people who were not especially polite.

laura, dh Brian, ds Rory 14, dd Ellie 13, ds Caelan 11, ds Seamus 9, ds Finn 7 and Penelope 2 !!!!

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Old 05-19-2008, 01:35 PM
 
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Wow...must be wicked expensive here...My & DD's stay less than 48 hours for both of us, my section and her NICU stay $62,000.

Less than 48 hours!

They did nothing for her in NICU...2 hours on a CPAP, NOTHING else!

Victim of Birth Rape & Coerced ribboncesarean.gifUnnecesareanribboncesarean.gif What makes people think they can cut up someone else's genitals? nocirc.gif
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Old 05-20-2008, 12:31 PM - Thread Starter
 
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Me: ARE YO KIDDING?????? I did not have an epidural, the only person who would have had the ability to place one at my birth would have been my husband and he is an electrician, not an anesthesiologist!!!!


"In the depth of winter, I finally learned that within me there lay an invincible summer"
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Old 05-28-2008, 11:28 PM
 
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wow... I just read this thread and calculated out my baby's stay cost, was $694/hour (200,000 medical bill; 12 day stay). She was on a ventilator for a week, IV feeds til she could nurse, etc... but that seems amazing compared to what I'm seeing here.

Mom of 7, ages 13, 12, 9, 7, 5, 4, and 2.5!
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Old 05-31-2008, 05:21 PM
 
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6 weeks and over $750,000 for us.

My DD's private ECMO room was $30,000 a day! Just the room. Crazy....

Oh, and by the way she was full term with medical issues other than meconium asperation!
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Old 06-01-2008, 03:09 PM
 
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Our twins' 2-week NICU stay cost $102K and $115K respectively. Reading the other posts here, I'm starting to think we got off easy!

Mama to twins Wren and Robin, 3/3/08.
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Old 06-02-2008, 12:46 PM
 
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I have learned on thing through all of this is that if the services are performed at an in-netowrk hospital for your insurance, then all services reguardless of whether the DR. is in-network, should be paid at the in network prices, and you are not suppose to be billed for the difference.

I have had a few times where I have had to take DS or DD to the ER and while the hospital is in network the ER docs aren't. I have argued that I had no shoice about the doc performing the procedure, and since I was at an in network hospital it should be covered by the insurance at the same rate.

I believe it is called the Rapps (or wrapps) admendment

Such a pain that everyone is coverd for a procedure, but the anthe. isn't so I have had to go argue with them for that. I think that hospitals and insurances make it as hard as they can, and hopes that you won't fight them on it. Little did they know thatI had all the time in the world to argue this stuff while the kids were in the NICU.

Molly
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Old 06-05-2008, 10:08 AM
 
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Maybe I shouldn't post this and risk jinxing us, but DD was born almost 14 months ago in an emergency c-sec and stayed in the NICU for a month. We have never received a single bill.

She was born in severe distress and nearly dead. No one ever had any idea that anything was wrong with her even though I was very closely monitored because of my thyroid issues. I think they knew they screwed up and they swept it all under the rug.
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Old 06-09-2008, 11:21 AM
 
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OUr bills aren't so high as many of yours, but they are all out of pocket - no insurance. We're at just under $11k for the first 48hours when my water broke, then at $30k for the 2nd hospital when I finally went in and had c-sec and baby stayed in NICU for 5 days. We're over-income for every assistance program we've tried so far (still waiting to hear back on two of them - you never know). So much for buying our property this year (or next, or the year after that!). As we speak, I am hunting up private insurance for me. Through hubby's work is it is $985 per month, and we simply can't pay that. Just for me (if they'll take me) it will be a little over $200 per month. Other than this blasted water breaking, we NEVER go to the doc, never get sick, have 1-2 injuries per year requiring treatment (football fracture or something like that). We were planning an UC and had been doing UP with no problems. ARGH!

Tracey Mouse

Tracey R. Happy Helpmeet to Jeff, and Mama to Corey (ds, 22yo), Justin (ds, 20yo), Bekah (dd, 3yo), and Miah (Jeremiah, ds, 17mo), and baby Rachel, vasa previa survivor, 4 wks old.

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Old 06-09-2008, 04:51 PM - Thread Starter
 
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OUr bills aren't so high as many of yours, but they are all out of pocket - no insurance. We're at just under $11k for the first 48hours when my water broke, then at $30k for the 2nd hospital when I finally went in and had c-sec and baby stayed in NICU for 5 days. We're over-income for every assistance program we've tried so far (still waiting to hear back on two of them - you never know). So much for buying our property this year (or next, or the year after that!). As we speak, I am hunting up private insurance for me. Through hubby's work is it is $985 per month, and we simply can't pay that. Just for me (if they'll take me) it will be a little over $200 per month. Other than this blasted water breaking, we NEVER go to the doc, never get sick, have 1-2 injuries per year requiring treatment (football fracture or something like that). We were planning an UC and had been doing UP with no problems. ARGH!

Tracey Mouse
YIKES! I was hoping we wouldn't have a story like that!! No one should have to pay out-of-pocket for the care of their sick child.

I am wondering, though, if you bills weren't as high becuase they couldn't bill a huge, rich, insurance compnay??

"In the depth of winter, I finally learned that within me there lay an invincible summer"
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Old 06-09-2008, 05:01 PM
 
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I am wondering, though, if you bills weren't as high becuase they couldn't bill a huge, rich, insurance compnay??
Medical bills are usually higher if you're not insured since you don't qualify for the discounts insurance companies get or the prices that they have pre negotiated.

It's a really bassackwards system!

Victim of Birth Rape & Coerced ribboncesarean.gifUnnecesareanribboncesarean.gif What makes people think they can cut up someone else's genitals? nocirc.gif
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Old 06-09-2008, 05:50 PM - Thread Starter
 
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Medical bills are usually higher if you're not insured since you don't qualify for the discounts insurance companies get or the prices that they have pre negotiated.

It's a really bassackwards system!

That is SO awful.

"In the depth of winter, I finally learned that within me there lay an invincible summer"
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Old 06-13-2008, 06:06 AM
 
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WOW.. I havent gotten the big bill yet.. The only statment i've received is the one from my medi-flight. My husband called me and read the letter to me.. Then he said guess how much it was.. I said um probably 3 thousand. He said no try $14,721. Nine something was for the flight, and four something was for the gas. WOW and we have all been fussing about 4 dollars a gallon. lol it cost me $75 to fill up....lol and I thought that was bad.

And it wasn't even comfortable or anything. Not a first class ride, thats for sure.
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Old 06-27-2008, 07:13 PM
 
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This inspired me to add up all Zanns medical bills for his first year and they totaled $341,430.71 that includes one medi-vac flight, two open heart surgeries, 6 days NICU, 4 days CICU, 3 days Ped Cardiology telemetry unit, one "foreign body"removal when he swallowed a penny, and the ambulance ride to the hospital because I did not realize he had swallowed that penny and we all thought he was in heart failure. Boy I love my son.
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Old 06-29-2008, 12:01 AM
 
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i am so glad that i live in Canada. in the states i am considered uninsurable because of my high bp and history of depression. i had a hospital stay 3 weeks before dd was born, an emergency cesarean for pre-e, dd had 16 days in the NICU, we got a free pump rental while she was in hospital, then i was in hospital for a week with PPD when dd was 5 weeks old. i can't imagine what it would have cost if we didn't have provincial insurance.

Mummy to dd (Jan 13, '07) born by emergency c-section at 35 weeks due to severe pre-e  :ribboncesarean.gif and ds (Jan 30 '09) :hbac.gif and stork-suprise.gif    (06/11)
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Old 07-15-2008, 04:20 AM
 
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I've got a quarter million dollar baby.

I've forgotten how much it cost (one month of hospital bed rest, 53 days of NICU care, then inguinal hernia surgery, hypospadia surgery and check ups). Then our insurance stopped covering physical therapy, because preventing problems later on is just too expensive?
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Old 07-24-2008, 02:51 AM
 
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I'm facing a pretty high risk pregnancy where there's a good chance either I, or the baby boy in my tummy, will spend some combination of the next 5-6 months in the hospital. Wow am I thankful for my husband's medical insurance through his work! We will not have to pay $1 out of pocket, not even for the breast pump. And we don't have to pay a premium for me or our kids (even if we had like 15 of them).
Love or hate the software, Microsoft is one of the best companies to work for because they take amazing care of family health.
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Old 07-29-2008, 08:51 PM
 
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My husband was at MSFT when our first was born at 34 weeks and I have to say, it was such a relief to know we had top of the line health coverage. My husband also took all of his *sick* leave when our daughter was first born, and his paternity leave later. When he asked HR whether this was kosher (to use sick leave instead of paternity leave) they seemed to have a "don't delve too deeply into it" kind of policy.
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Old 07-30-2008, 11:45 PM
 
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We went to the parenting class on benefits and from what they said, it's fine to use sick leave when caring for children or your spouse - this includes newborns and moms recovering from delivery. We usually add together sick time, vacation time, and paternity leave to take off at least 2 months...
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Old 07-31-2008, 12:56 AM
 
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I'm facing a pretty high risk pregnancy where there's a good chance either I, or the baby boy in my tummy, will spend some combination of the next 5-6 months in the hospital. Wow am I thankful for my husband's medical insurance through his work! We will not have to pay $1 out of pocket, not even for the breast pump. And we don't have to pay a premium for me or our kids (even if we had like 15 of them).
Love or hate the software, Microsoft is one of the best companies to work for because they take amazing care of family health.
My husband is a vendor right now, and we have decent insurance, but he... drumroll please... just got asked to interview for a fte position!!! We're gonna be ttc starting in December, and since Cora is the only living result of my 4 pregnancies, I'm very excited for MSFT insurance!

scifi-convention runners Kate, DH Drew 11/07, DD Cora 12/97. We , ,
Welcome to baby Fiona with a giant omphalocele, 6/17/10!
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