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bettybcafe
Big brother in the making
Member since 7/07 8611 total posts
Name:
M
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Price of labor with insurance
How much (if any) will labor cost you even with health insurance? Is it a stupid idea to call up the hospital and ask them how much it would cost to delivery a baby with my type of health insurance?
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Posted 9/16/10 9:41 PM  |
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Long Island Weddings
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PennyCat
Just call me mommy :)
Member since 7/08 19084 total posts
Name:
Jib
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Re: Price of labor with insurance
I would call the insurance company and ask, rather than the hospital.
I'm sure a lot is involved as far as how many nights you stay.. if its vaginal birth or c-section, etc.
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| Posted 9/16/10 9:44 PM |
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mrsboss
my little love
Member since 12/09 5054 total posts
Name:
Me
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Re: Price of labor with insurance
You should call your ob/gyn office. My first visit there, they told us what it will cost us. They can basically tell you, and they will have your insurance info on file.
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| Posted 9/16/10 10:42 PM |
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Coosie
So in love with my little boy!
Member since 1/10 1889 total posts
Name:
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Re: Price of labor with insurance
You can also go online. My ins has a treatment cost caluculator to give you an idea of how much procedures are (including giving birth). Just register your account on your ins co website
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| Posted 9/16/10 11:40 PM |
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bettybcafe
Big brother in the making
Member since 7/07 8611 total posts
Name:
M
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Re: Price of labor with insurance
Posted by mrsboss
You should call your ob/gyn office. My first visit there, they told us what it will cost us. They can basically tell you, and they will have your insurance info on file.
Yea, this is what I thought but I thought it would be a stupid question to ask. 
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| Posted 9/17/10 12:00 AM |
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bettybcafe
Big brother in the making
Member since 7/07 8611 total posts
Name:
M
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Re: Price of labor with insurance
Posted by Coosie
You can also go online. My ins has a treatment cost caluculator to give you an idea of how much procedures are (including giving birth). Just register your account on your ins co website
Yea, I actually did this and it gave me a rough idea. I just wondered if calling the Dr. office directly would be more accurate.
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| Posted 9/17/10 12:00 AM |
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WhitneyL
LIF Adolescent
Member since 10/07 645 total posts
Name:
Whitney
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Re: Price of labor with insurance
I wanted to add - alot of insurance plans tell you they'll pay a percentage (mine is 90%).
When I had DS (and I hate saying that all the time, but I figure it can be helpful to have a BTDT perspective), my insurance plan was different than I have now. According to my EOB, my delivery cost just shy of $30,000. That was 3 days in L&D complete with 2 rounds of cervadil and pitocin (serial induction), epidural, delivery, 2 nights in maternity... the works...
With my old insurance, I paid NOTHING. Not even a co-pay or deductible.
With my current insurance, that would be about $3,000.
Not all deliveries cost this much. I talked to a g/fs of mine at work who had different types of delivery (vag labor and birth w/o meds and c-section) and they were less. You should find out from your ins. co as the previous posters suggested what your coverage is so you have a general idea. 
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| Posted 9/17/10 8:13 AM |
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limommer
LIF Adult
Member since 2/10 1073 total posts
Name:
Meredith
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Re: Price of labor with insurance
i had a c-section with dc it would have cost $16,000 but i only paid $500
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| Posted 9/17/10 9:24 AM |
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SKPtzu
Oh boys
Member since 6/08 1388 total posts
Name:
SKPtzu
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Re: Price of labor with insurance
Cost of my c section was $27,000. I only paid $100 as a copay and an extra $1000 because I wanted a private room.
My DC's stay was $7000. I only paid $100 as a copay as well.
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| Posted 9/17/10 9:27 AM |
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couldbtwins
I love you so much!
Member since 10/08 1761 total posts
Name:
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Re: Price of labor with insurance
I had a c-section and I think it was somewhere in the $25k-$30k price. DD hospital stay was about $6000. I owed the hospital a total of $600 ($300 for each of us).
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| Posted 9/17/10 12:10 PM |
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MrsBurtch525
Year for change!
Member since 1/09 6017 total posts
Name:
Taryn
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Re: Price of labor with insurance
With insurance we had to pay $2,500 which then met my deductible so all visit thereafter were 100% covered.
ETA: My c-section cost $12,500. I am so jeaous off ll you ladies that only paid $500-$1000...we are still paying payments to the hospital a year later and our deductible has been raised to $3,000
Message edited 9/17/2010 2:39:20 PM.
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| Posted 9/17/10 12:20 PM |
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Hofstra26
Love to Bake!
Member since 7/06 27915 total posts
Name:
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Re: Price of labor with insurance
We had to pay a $500 hospital co-pay with Oxford and that was it. Everything else was 100% covered which is GREAT news since my C-section cost nearly $20K. 
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| Posted 9/17/10 12:22 PM |
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drwifettc
LIF Adult
Member since 6/10 2348 total posts
Name:
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Re: Price of labor with insurance
I actually called my insurance with this question the other day. As the earlier posters said it totally depends on your plan. I had a 25$ co-pay for my first doctors visit and than thats it. If I deliver at a hospital besides for Winthrop (my husband works there) than I'll have to pay 300$ dollars to the hospital. It's a good thing we live across the street from the hospital. I was shocked that they covered so much so I would definitely call or ask your OB.
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| Posted 9/17/10 3:31 PM |
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bettybcafe
Big brother in the making
Member since 7/07 8611 total posts
Name:
M
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Re: Price of labor with insurance
Thank again ladies. I went online and logged on to my insurance account and it said I would pay about $1000 but I dont know how much of that I should believe. I will call my insurance company soon 
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| Posted 9/17/10 7:13 PM |
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MrsT809
LIF Adult
Member since 9/09 12167 total posts
Name:
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Re: Price of labor with insurance
This is very interesting! Thanks for the info ladies.
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| Posted 9/17/10 9:57 PM |
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Re: Price of labor with insurance
Your Ob's office should be able to tell you. I think I had a $250 hospital deductible and $100 Co-pay. The bill was about 15k and I paid $350.
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| Posted 9/19/10 12:37 PM |
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mrsyoungmommy
can't wait to meet Sophia!
Member since 6/10 1441 total posts
Name:
Danielle
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Re: Price of labor with insurance
does anyone have oxford?? i can't find a calculator on the website!
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| Posted 9/19/10 6:00 PM |
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BeachGal
LIF Adult
Member since 2/10 2827 total posts
Name:
J
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Re: Price of labor with insurance
I think I will have to pay $150.
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| Posted 9/19/10 9:57 PM |
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neener1211
:-)
Member since 4/07 22952 total posts
Name:
J
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Re: Price of labor with insurance
With DS it was around $19k-induction-$500 cost to me as my deductible
With DD it was around $16k-$4300 cost to me since I had a high deductible insurance.
Message edited 9/20/2010 11:19:31 AM.
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| Posted 9/20/10 11:18 AM |
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Crunchewy
LIF Adult
Member since 10/08 1232 total posts
Name:
A
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Re: Price of labor with insurance
No meds, quick labor- it was around 10-12K. I had $70 deductible (NYSHIP BlueCross/BlueShild).
DS was in NICU for 2 weeks -45K -covered 100%
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| Posted 9/20/10 11:58 AM |
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