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Discussion Starter · #1 ·
Hello! We are expecting our first at the end of the year and I am researching our insurance options for after the baby (I am about 99% positive we'll fall above Medicaid's income guidelines).<br>
BCBS seems to have the most affordable (ha <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/banghead.gif" style="border:0px solid;" title="banghead">) plans. These are the two I'm trying to decide between:<br>
a) $380/month with a $1000 deductible - covers well baby visits & routine physicals for me and has a $20 office copay on everything else.<br>
b) $275/month with a $2500 deductible - does NOT cover WBV's/routine physicals, office visits are subject to the deductible.<br>
There are also higher deductibles with lower monthly premiums.<br><br>
If it were just me, I'd take a lower monthly premium any day, b/c I am at the doctor's office once/year at most. But I have no idea what to expect with a newborn.<br><br>
I am researching delayed/selective vax but have not decided on a schedule yet. I about choked when I saw how frequent the "normal" vax schedule is - how can babies take all of those vaccines so close together?! <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/yikes2.gif" style="border:0px solid;" title="yikes">: If I was going to vax "normally", I would have to do the more expensive insurance - just to cover the high # of doctor's visits in the first year! As it is, I don't want us to spend that much time in the doctor's office - why is that necessary??<br><br>
Could I hear from experienced parents on how often I should expect to take my newborn to the doctor in the first year please? Not only for WBV's (and I'd love to hear from those of you who do delayed/selective vax), but also for other newborn baby stuff.<br><br>
I'd appreciate the input! (sort of x posted in my DDC, but not exactly <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/smile.gif" style="border:0px solid;" title="smile">)
 

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I don't vax, but I do WBV. I just need someone to tell me everything is okay, as a FTM. I am also dying to know how much my DS grew/ weighs. In the first year we did a 1 week visit, then a two week weight check. (My milk came in late and DS had lost a bunch) We went in at 10 weeks for something... blood in stool I think that freaked me out. Then 3 months, 6 months and 12 months for WBV. I am glad I did not have to pay more the the $15 copay.<br><br>
Whether you need to do WBV will depend entirely on how you feel. Several of my no vax friend never did them and they feel great about it. For me they were reassuring.
 

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Gee, am I the only one who spent alot more time in the ped's office than wanted (I'm talking other than WBV). DD was sick ALOT in the first year and beyond. As a first time mom I have to admit <img alt="" class="inlineimg" src="/img/vbsmilies/smilies/duck.gif" style="border:0px solid;" title="Duck">: that I was in there MANY MANY times for sick visits!!!!!!!!!!!!! Although, these visits were basically for my reassurance, they still existed...the doc still got paid. I guess you never know what to expect, so prepare yourself fully just in case. Health issues arise and sometimes you do need the care of a doc.....
 

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as a first time mom, we do well baby visits starting at 2 weeks and then at 2 month marks (2, 4, 6, 8, 10, 12 months). we have an awesome ped though and we don't vax (yet). visits to the ped are actually quite fun. we love everyone there, and they love that we breastfeed and research. they are AWESOME.<br><br>
i would go with the higher premium, personally, if you plan on doing wbv's.
 

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My 1st I followed the schedule for the first 6 months even w/ no vax, then realized that was absurd. My second is 15 months and went to the doctor once, at one week. I don't really see any reason to take healthy kids to the doctor.
 

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DD went to our midwives at 2 weeks, then 6 weeks. After that DD has been to my doctor for wbv at 3 months and 6 months, he said not to bother coming back till she is 12 months so I won't! <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/smile.gif" style="border:0px solid;" title="smile"> (btw we aren't vaxing)
 

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We've been blessed with a healthy ds so far, so we haven't had to go to the dr much. We went for the first 2 WBV at 1 month and 2 month, then realized we didn't feel it was necessary to spend the co-pay each time to hear how well he was doing. We then went for a 6 month and will go back at a year. I like to go every once in awhile to get his heart checked as his dad had a heart issue as a child, so I am overly cautious about that.<br><br>
I think the number of visits can vary based on the health and overall well being of you and your dc. Good luck!
 

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Discussion Starter · #9 ·
It sounds like there's no universal experience (which I guess I knew and had hoped otherwise). Thanks for all of your input, I think I'll probably start with the higher premiums, then switch if it turns out we aren't going to the dr. that much <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/smile.gif" style="border:0px solid;" title="smile">
 

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My youngest has been to dr. 1x--when he was 11 months. I basically HAD to go so that I could get a SS# for him-long story but in the end the 1st page of his dr. record qualifies as "identification"???!!!<br><br>
Anyway, it was a COMPLETE waste of my time!! The dr. (whom I love by the way--he has been our pediatrican for 12 years) told me a bunch of crap that I didn't buy. Stuff about getting baby to night wean and introducing more solids etc. The visit cost $190! and that was w/o vax!<br><br>
I have since puchased one of those instruments to look in ears with since that is the main reason that I have for seeing ped. Best investment yet! I don't have to wonder if there is an ear infection...I can just look for myself!<br><br>
I think our society is overmedicalized (not in all circumstances though). It's a big business you know.
 

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Because of my kiddo's allergies, we were in the doc's office a lot in addition to his WBVs.<br><br>
I would guess about 20-25 times in his first year.
 

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Had never planned on doing WBV's with DD2, never did with DD1, but life had other plans for me. We also have been in the ped's office 20+ times during DD2's first year, maybe closer to 30, most of that time is pretty hazy to me now. Most were quick visits, check her weight after hospital admissions for dehydration, check her O2 levels (this was before we finally broke down and bought our own pulse ox since insurance wouldn't cover one), we did have many lengthy ones, plotting out a course of action for her various health issues. Our crappy insurance actually covered most all of the visits since they all were related to one health incident, now I wish I could say the same for medications and the oxygen for 6 months that DD2 required. <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/irked.gif" style="border:0px solid;" title="irked">:
 

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We're going to do delayed/selective vax, but I've still done WBVs because I wanted to have a good relationship with and know our FP doctor (who I love). We took her at 1 week, 6 wks, 3 months, 5 months, and I'll probably take her again around 7 months for her first shot (if I can actually go through with it). After that I think the only reason we'd keep going is if we do decide to do a few of the vax - my doc recommends the DTaP and Hib ones, and won't do multiple ones at a visit (which I wouldn't want either), so we'd probably have to go back several times for those. (in some ways, doing nontraditional vax can mean more doctor's visits instead of fewer, since the "normal" schedule combines lots in a single visit). There's still a chance we might decide to opt out of vax completely, in which case we'd probably start going a lot less often.<br><br>
Honestly, DD is totally healthy, and there's no reason we've needed to go for the visits we did. But I love my doc so much, and it was kind of fun to find out how much she weighed, to get the assurance as a first-time mom that she was doing well, and to talk with my doctor about things like the mechanics of self-feeding, his (non-medical) tips for teething or the yeasty rash in her neck folds, etc.<br>
I don't think there's a reason a healthy, nonvaxed baby needs to do WBVs at all, but if you do want to do them I'd go with the higher monthly premium. I might even do that in any case just to give yourself the ease of mind that an office visit or WBV if you decide to do one is already covered and you aren't trying to weigh costs in your mind in deciding to call or not call a doctor.
 

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Discussion Starter · #15 ·
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<div>Originally Posted by <strong>acp</strong> <a href="/community/forum/post/9884853"><img alt="View Post" class="inlineimg" src="/community/img/forum/go_quote.gif" style="border:0px solid;"></a></div>
<div style="font-style:italic;">I don't think there's a reason a healthy, nonvaxed baby needs to do WBVs at all, but if you do want to do them I'd go with the higher monthly premium. I might even do that in any case just to give yourself the ease of mind that an office visit or WBV if you decide to do one is already covered and you aren't trying to weigh costs in your mind in deciding to call or not call a doctor.</div>
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That's exactly what I've been thinking after reading all of your responses!
 

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DS is 19 months old (tomorrow!) and has been to the dr. I think 2 times. Once at a few days old for weight check. Once for a possible ear infection at around 8-9 months (ended up being teething related). Thats it. We don't vax and he hasn't been sick other than he caught roseola from his cousins and made it through just fine <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/smile.gif" style="border:0px solid;" title="smile"> We've been very blessed<img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/smile.gif" style="border:0px solid;" title="smile"><br><br>
I do think every kid is different though. If this one turns out to be sick more often I have no qualms about going to the dr. <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/smile.gif" style="border:0px solid;" title="smile"> DS just hasn't needed one!
 

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I really feel bad for you US mama's that have to decide whether or not to take your babes to the dr's because of your insurance and or money issues. That just isn't right! <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/hug.gif" style="border:0px solid;" title="hug">s
 

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I'd call and ask how much WBV cost. That might make a difference. At my ped a wbv is around $100 so if you have 6 a year it's cheaper to pay for them yourself instead of paying the higher premium.
 

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<div style="margin:20px;margin-top:5px;">
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<div>Originally Posted by <strong>Stayseeliz</strong> <a href="/community/forum/post/9885455"><img alt="View Post" class="inlineimg" src="/community/img/forum/go_quote.gif" style="border:0px solid;"></a></div>
<div style="font-style:italic;">I'd call and ask how much WBV cost. That might make a difference. At my ped a wbv is around $100 so if you have 6 a year it's cheaper to pay for them yourself instead of paying the higher premium.</div>
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True, but there is *always* that possibility that dc will have health issues which require more visits.....which would add up $$. I tend to agree with the OP plan: go with the higher premium (at least at first). DD visited the ped alot (as I mentioned) and also had one hospital stay and two trips to the ER (things to keep in mind). I'm not being pessimistic...but I like to be realistic and prepared to provide adequate medical care (if needed) for a child. It is unfortunate and unfair that medical insurance is so draining financially!!! Best of luck!!!!
 

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<div style="margin:20px;margin-top:5px;">
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<div>Originally Posted by <strong>alegna</strong> <a href="/community/forum/post/9883729"><img alt="View Post" class="inlineimg" src="/community/img/forum/go_quote.gif" style="border:0px solid;"></a></div>
<div style="font-style:italic;">My dd has never been to an MD.</div>
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Us too.... well, once really. Went to urgent care when DS was wheezing.<br><br>
Other than that the well visits with our midwives the first few months are the only formal professional visits we've had.<br><br>
It is what works best for us!
 
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