Comments on: More insurance company fun! /sarcasm

By: Ginny

Ginny — Fri, 20 Aug 2010 13:27:25 +0000

I’m due in mid-January with baby #3. When #2 was born, I noticed on the hospital bill that we were charged $500 each time we asked the nurses to take her down to the nursery so I could rest or shower. We pay a straight 10% out of pocket, so I’ll be saving myself $50 each time I decide to keep #3 in the room with me.
It stinks to have to think about things like insurance companies and costs when all you really want to do is cuddle with your baby.

By: Karen

Karen — Fri, 20 Aug 2010 13:21:33 +0000

Joanna – Oh wow! What a great policy. That makes perfect sense to me. That would not have been the case for me, unfortunately. I’ve already been billed up to my deductible for ultrasounds and other “lab fees” outside of the global fee. Then of course I changed to a midwife halfway through, so my former OB charged me part of what would have been my global fee. But I’m pretty sure if I had stayed with the same OB, they wouldn’t have billed my insurance company until after the birth.

I’m glad it’ll work out for you, though! What a relief!

By: joanna

joanna — Fri, 20 Aug 2010 12:42:30 +0000

With a due date around New Year’s, I’m acutely aware of the possibility of getting hit with two deductibles- and we’re on a high deductible plan! I checked on this early on, because we were going to have to do some major saving to be ready for it, if that were the case. What we found out: My midwives bill both the prenatal care and the birth-center birth with a ‘service date’ of the birth day, so, whether it’s this year or next, all the costs will fall on one day. And, we have a ‘family deductible’- so, even if a hospital transfer happens and costs are incurred just for the care of our newborn, it’ll all fall under the same deductible.

It’s really good you’ve checked on all this, and are trying to understand how the complex insurance system works! There’s so much to figure out.