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Discussion Starter · #1 ·
So I have insurance and planned on using it to get my 20 week ultrasound. Since I have one child with a genetic disorder it is really important for me to get the scan. Anyway my midwife has an radiology company she uses to have all her clients ultrasounds. Well they don't take my insurance!! So my midwife called around to about 15 different places, including local hospitals and none of them will allow her to order the ultrasound. One lady even said, "We only take our orders from doctors!" in a rude tone. So I went ahead and changed insurance carriers to one that the radiologist place that my midwife recommends will take. The catch is that it take 45 days for it to be active so I'm kinda bummed that I have to wait a month and a half now. As some of you may remember I was really hoping to get it done before Christmas because I am having family down. So looking like the first of the year before I can even schedule anything. So I'm bummed. On a good note though, my previous carrier didn't cover my midwife and I've been paying for her out of pocket. This new one has been known to pay for some of the other area midwives so we are going to submit it and see. Maybe I can get them to cover it which I guess makes up for having to wait for the ultrasound.
 

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Were you hoping to get it done before Christmas so you could tell people of your pregnancy or gender? If you are looking for gender, there are many pregnancy resource centers or pregnancy crisis centers that offer ultrasounds. You may have a hard time finding one willing or able to do gender, but if you know what you are looking for, it wouldn't be difficult.
 

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I hate dealing with insurance, always bums me out too. I'm sorry you have to wait. <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/hug.gif" style="border:0px solid;" title="hug">
 

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Discussion Starter · #4 ·
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<table border="0" cellpadding="6" cellspacing="0" width="99%"><tr><td class="alt2" style="border:1px inset;">
<div>Originally Posted by <strong>doulanichole</strong> <a href="/community/forum/post/14710375"><img alt="View Post" class="inlineimg" src="/community/img/forum/go_quote.gif" style="border:0px solid;"></a></div>
<div style="font-style:italic;">Were you hoping to get it done before Christmas so you could tell people of your pregnancy or gender? If you are looking for gender, there are many pregnancy resource centers or pregnancy crisis centers that offer ultrasounds. You may have a hard time finding one willing or able to do gender, but if you know what you are looking for, it wouldn't be difficult.</div>
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Yes I wanted to be able to share the gender since my family would be here in person. I actually thought of the crisis pregnancy center thing and called the one in my area. They only do first trimester ultrasounds to confirm viability, nothing diagnositc. And they are the only ones in the area. I'm trying to stay positive about it and I know everything happens in the order it is meant too but still kinda bums me out.
 

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You could try one of those for fun US places. They will usually do a gender US for about $70-$100 depending upon the company(ies) available in your area.
 

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<div style="margin:20px;margin-top:5px;">
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<table border="0" cellpadding="6" cellspacing="0" width="99%"><tr><td class="alt2" style="border:1px inset;">
<div>Originally Posted by <strong>khaoskat</strong> <a href="/community/forum/post/14710795"><img alt="View Post" class="inlineimg" src="/community/img/forum/go_quote.gif" style="border:0px solid;"></a></div>
<div style="font-style:italic;">You could try one of those for fun US places. They will usually do a gender US for about $70-$100 depending upon the company(ies) available in your area.</div>
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yeah! that's my plan if baby is too shy. i really want to know what the sex is.
 

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this does suck!!! Insurance companies suck in general. In NC there aren't a lot of HMO's and if you do find one, most Dr's don't even take it. So it's PPO or get a crapy Dr, and pay a lot out of pocket for PPO. I have to pay my $700 deductible for my hospital stay, + 20% after that, then I have to pay the $700 deductible again for my OB, + 20% after that, and then 20% of our hospital stay after baby, and for me and B the bill was over $15,000.00 which is $3000 on top of everything I've already paid. God forbid I need to go to the hospital again for something. HOLY MOLY.
 

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When we had a PPO, our bills were no where near that expensive.<br><br>
With DS1 - we just had a $10 co-pay to the OB for our first office visit. Employer cost (which also includes what we paid toward the cost) was about $350 a month (I think I paid about $75 a month towards the insurance). Everything else was covered 100%.<br><br>
With DS2 - It is a bit more difficult, we had changed plans and I was employed elsewhere and in the Hospital we used and my Insurance Carrier parted ways when I was about 7 months along. We continued to receive benefits with the hospital through "Continunity of Care". I had a $250 hospital co-pay and a $15 OB co-pay. Our deductible was like $750. But we only ended up ever paying $265. Baby was covered 100% under me for the stay, and I only had to pay my co-pay for the Hospital and OB.<br><br>
I would double check your coverage. Most Maternity is a 1 time co-pay to the hospital (or a co-pay and a % after that) and it is just for Mother, and most times OB is paid fully. (Sorry hard to explain what I am thinking right now, little sleep because of cleaning house.)<br><br>
Also, double check what your out of pocket max is. That is for all services for an entire year, not just per use. If it is a family plan, it would cover all family members costs as well.
 

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<div style="margin:20px;margin-top:5px;">
<div class="smallfont" style="margin-bottom:2px;">Quote:</div>
<table border="0" cellpadding="6" cellspacing="0" width="99%"><tr><td class="alt2" style="border:1px inset;">
<div>Originally Posted by <strong>khaoskat</strong> <a href="/community/forum/post/14711654"><img alt="View Post" class="inlineimg" src="/community/img/forum/go_quote.gif" style="border:0px solid;"></a></div>
<div style="font-style:italic;">When we had a PPO, our bills were no where near that expensive.<br><br>
With DS1 - we just had a $10 co-pay to the OB for our first office visit. Employer cost (which also includes what we paid toward the cost) was about $350 a month (I think I paid about $75 a month towards the insurance). Everything else was covered 100%.<br><br>
With DS2 - It is a bit more difficult, we had changed plans and I was employed elsewhere and in the Hospital we used and my Insurance Carrier parted ways when I was about 7 months along. We continued to receive benefits with the hospital through "Continunity of Care". I had a $250 hospital co-pay and a $15 OB co-pay. Our deductible was like $750. But we only ended up ever paying $265. Baby was covered 100% under me for the stay, and I only had to pay my co-pay for the Hospital and OB.<br><br>
I would double check your coverage. Most Maternity is a 1 time co-pay to the hospital (or a co-pay and a % after that) and it is just for Mother, and most times OB is paid fully. (Sorry hard to explain what I am thinking right now, little sleep because of cleaning house.)<br><br>
Also, double check what your out of pocket max is. That is for all services for an entire year, not just per use. If it is a family plan, it would cover all family members costs as well.</div>
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Dedct is $700 per person per year or $1400 max per family. I have to pay it now for my hospital visit in Nov, and again to them for my delivery in 2010. Then 20% of every bill after that, plus I had to pay a $30 co-pay for the initial visit. We're not used to all this either, we had this insurance and military insurance before this so we paid pretty much nothing for B's delivery because the military even covered our co-pay's from the 1st insurance. I also have to change insurance in Jan which could be a mess in itself.<br><br>
Sorry to hijack your thread mama!!!
 
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