How much did your insurance cover

[birdmom]

I paid my $40 copay at my first prenatal visit and all other routine visits were covered under that.
I paid $40 for my NT scan and 20 week ultrasound, and $40 each time I was sent to labor and delivery, which was probably 3 times.
I paid my $500 deductible for delivery.

[Ashley&Scott]

I am super jealous of all of the people who paid less than $100!

[HoneySpider]

My OOP max is $5k so I'm just figuring on having to pay that (and will be happy if I don't). My insurance sucks, it's what I get for working at a state university.

[Deleted]

Met the $350 deductible already so it is just 10% after that.

Will end up being a little less that 1k and that includes deductibles for both 2012-2013. We are pre-paying it all.

[perhapsprincess]

Aug 8, 2012 16:27:18 GMT -5 namasteak said:

For prenatal/postnatal visits?
labor & delivery?
for the baby once it was born?

I'm trying to decide if we need to upgrade to a higher premium/lower deductible plan. As it stands now, we could be looking at $4700 out of pocket.

My insurance covered 80% after my deductible ($1000) was paid. There was a separate $1000 deductible for the baby. So it was about $7000 all told.

[melew]

For DD, we paid $20 for the OB co-pay and $100 for the hospital co-pay. That was it.

With LO#2 (currently pregnant), we have similar coverage, though through a different insurance company, and I believe the OB co-pay is $35 and the hospital co-pay is $150, with 100% coverage for in-network, which my doctor and hospital are.

[mrssandro]

HSA person signing in.

My deductible was $3000 (i had ~$2000 in my HSA account) I paid at deductible plus about 2k. I had to have an emergency D&C 3 months PP because I had a crazy bleed. This was partially covered but it did not cover the ambulance or the anesthesia. I was also in the hospital because of all the blood loss. I had a natural birth so no drugs there.

I have much better insurance this time. My deductible is only $1250 (in network) once I pay this I should be covered 100%.

[spk926]

Mine is covered 100%.

Normally I have $20 co-pays but for prenatal and such those are eliminated so I have paid and will pay $0 OOP for this entire pregnancy, delivery and hospital stay.

And to make it even better I'm on a single health insurance plan through my company and since it's single it's covered 100% so I don't pay anything for premiums either. DH's also doesn't pay anything for his insurance because he's on the single plan at his company. Once we have the baby I will carry the family insurance because my insurance is way better than his and will pay $200 a month for that.

[tardyfortheparty]

For DS, I paid $250 for the hospital copay and that was it. For DD, we had different insurance and paid 20% of all costs (2500 OOP max) and it was $550 for all prenatal care and delivery, $400 for my hospital stay, $200 for DD stay, and $600 formy epidural. We paid all OOPcosts through pre tax $$ via flex spending, so it was NBD.

[dragonfly08]

Everything was covered 100% after my copay. For prenatal/postnatal visits that was about $40 or $50 specialist copay for the initial visit only, the others were paid in full. The same was true for any "extra" visits -ultrasounds, NSTs, glucose testing. They each had a specialist copay attached.

The birth itself was also covered 100% less a copay, which was $50 for #1 and up to $100 by the time #2 came around. Even the neonatologist visit they ordered for #1 was covered.

Pediatrician visits have no copay under our insurance, so all of the infant checkups were completely covered.

All told, each of my kids cost less than $250 OOP.

[whitemerlot]

With my son, I paid a total of $10.

Currently, I have a 30% coinsurance and an out of pocket max of $2500 per person, or $5000 per family.

I hit the oop max for me (and my bills were more than that-just covered), and I had to pay about $1000 towards my daughters health care. I had most of my appointments and ultrasound in the same calendar year and had a vaginal delivery with an epidural and midwife. My daughter was very briefly checked by NICU, due to some heart decelerations during delivery, but other than a couple pedi checks, she didn't have much in the hospital.

We planned $3600 for health care and set aside pretax money for that amount and I think we will be right on.