funny insurance letter - Mothering Forums
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#1 of 7 Old 08-05-2010, 05:12 PM - Thread Starter
 
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I got a letter today from my insurance company that they will cover my "normal delivery" (gee, thanks) but that they will review all charges and let me know if there is something outside of the coverage range.

Let's see... we stayed one day instead of two, had no anesthesia, no surgery, no nursery time, no unnecessary stuff for baby (eye goop, hep b), and so on and so on. I think they owe us money .

Just wanted to share that little gem with people who would get it. I'm not on much lately because I'm too busy loving on my baby. I hope everyone still waiting is hanging in there ok, and that all the other new mamas are as blissful as I am. I hope to be back on more soon. You know, as soon as I get tired of the baby.

Amy (34): mommy to DD1 (11/07) and DD2 (7/10), wife, wohm, and wannabe suburban homesteader.
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#2 of 7 Old 08-05-2010, 08:00 PM
 
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That makes me think about how my insurance will only pay for like $35 towards a child birth class. Don't they realize how much money they would save if all moms were properly educated about their pregnancy and birth?
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#3 of 7 Old 08-05-2010, 09:20 PM
 
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I got a bill from the hospital the other day too. Not an explanation of benefits, just a bill for $2200. I tried to call to say "yo, here's my insurance info, why don't you bill them?" but ended up at an answering machine after being on hold. Fun stuff. I'm curious to see what the total cost will be because I'm sure the $2200 doesn't begin to cover it. Why don't you cover homebirth? Why why why? I believe the charges are for room & board, lab stuff, and the hearing test. So just postpartum stuff. I suspect the midwife and l/d nurse want to be paid.

But yeah Amy, I didn't even get an IV--I wonder if there's a discount.

Mama to Peter (3/8/04), Leo (3/12/06), Timothy (7/24/10), and boy #4 due on the summer solstice 2014
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#4 of 7 Old 08-08-2010, 02:59 AM
 
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I got through to the hospital's billing dept and my insurance stuff appears to be sorted out. I asked how much they were billing:

Just over $10,000

Dang. No anesthesiologist. No NICU. No IV's. Skipped the antibiotics. The CNM and nurse sat there as I labored by myself in the tub. I'm scared to know what a c-section would cost.

Mama to Peter (3/8/04), Leo (3/12/06), Timothy (7/24/10), and boy #4 due on the summer solstice 2014
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#5 of 7 Old 08-08-2010, 02:04 PM
 
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I've got y'all beat!! With my first birth I stayed one night, had pit post delivery, and antibiotics but nothing else. We got a statement from the hosp saying they were billing our insurance for $24,000!!!!!! I freaked out and called the insurance co and they said, "ha well, they might bill that but we're not paying it." They ended up paying the hosp $2400 and good thing bc we owed 10% of that. Worked out fine, hoping the same happens with this situation. I cannot imagine what a c-section would cost!!!!!

Happily married to my sweet DH with two precious girls (12/08) and (8/10) and a crazy puppy dog. Expecting blessing #3 around 12/10.

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#6 of 7 Old 08-08-2010, 02:47 PM
 
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wow, I can't believe it - these numbers are crazy! Over here everything is covered by insurance, but I don't have a clue how much they would charge. I only know that my midwife gets about 450€ for a homebirth plus 300€ for being on standby for 6 weeks (or is it 4? I'm not sure).

When we had to have our emergency C/S in Thailand we had to pay for everything ourselves: surgery, 4 day stay in a private room, no extra meds though apart from painkillers. But it was a packet price anyway: 750€. Yes, I'm serious! In a good, international hospital with excellent care (everybody mw I've seen so far was really impressed with the neat C/S scar I have). Of course that was Thailand and the wages there are terribly low, but still...

Franziska , DW to )oi , SAHM to Noah 06/2008, Sophia 08/2010, and Junis 11/2012

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#7 of 7 Old 08-08-2010, 07:11 PM - Thread Starter
 
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I actually have excellent insurance right now and they always cover everything, though those parameters are set by my employer, which is the state. We will Only end up paying $100, despite what they say about reviewing procedures, but I am very curious what the total bill will be. AmyRobynne, my stay was similar to yours. I can't believe they try to charge 10k for that.

Amy (34): mommy to DD1 (11/07) and DD2 (7/10), wife, wohm, and wannabe suburban homesteader.
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