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SweetTooth
I'm a tired mommy!
Member since 12/05 20105 total posts
Name:
Lauren
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Costs associated with delivery?
I am not pregnant, but plan on TTCing early next year. My company is having open enrollment, and I have to choose benefits for next year. One plan covers 80% of delivery and associated hospital costs with a $300 co-pay. The other covers 90% with a $250 co-pay.
The cost for the first plan is $60/month for DH and me and the second is $120.
I am not sure which one to choose... I guess if we don't start TTCing till March or April the chances are pretty low I wold be delivering in 2007, but you never know...
Which option would you choose? Oh and the copay for prenatal visits is $15 for option 1 and $20 for option 2.
Message edited 10/26/2006 1:34:53 PM.
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Posted 10/26/06 1:34 PM  |
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pinkandblue
Our family is complete, maybe
Member since 9/05 32436 total posts
Name:
Stephanie
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Re: Costs associated with delivery?
option2, I think it would work out better for you
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| Posted 10/26/06 1:36 PM |
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MrsJ
I love my Katie Bug
Member since 5/05 11357 total posts
Name:
Kathy
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Re: Costs associated with delivery?
Im not sure if this will help but we just got our hospital bill...one was for anastesia (sp?) only and it was $6700 - granted I had a c/s. The other bill was for my stay at the hospital (again longer bc of the c/s) and included my meds, delivery room charges, etc and that was just under $20,000. Our copay was $250 - THANK GOD that's all!
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| Posted 10/26/06 1:58 PM |
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SweetTooth
I'm a tired mommy!
Member since 12/05 20105 total posts
Name:
Lauren
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Re: Costs associated with delivery?
Posted by MrsJ
Im not sure if this will help but we just got our hospital bill...one was for anastesia (sp?) only and it was $6700 - granted I had a c/s. The other bill was for my stay at the hospital (again longer bc of the c/s) and included my meds, delivery room charges, etc and that was just under $20,000. Our copay was $250 - THANK GOD that's all!
wow!! thanks, that does help me to figure things out!
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| Posted 10/26/06 2:03 PM |
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pinkandblue
Our family is complete, maybe
Member since 9/05 32436 total posts
Name:
Stephanie
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Re: Costs associated with delivery?
Posted by MrsJ
Im not sure if this will help but we just got our hospital bill...one was for anastesia (sp?) only and it was $6700 - granted I had a c/s. The other bill was for my stay at the hospital (again longer bc of the c/s) and included my meds, delivery room charges, etc and that was just under $20,000. Our copay was $250 - THANK GOD that's all!
That is great, luckily, my delivery co-pay is Zero so I will have no hospital bill....
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| Posted 10/26/06 2:13 PM |
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CouponKT
Our family is complete
Member since 6/06 16494 total posts
Name:
K
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Re: Costs associated with delivery?
If your job offers AFLAC - take it in an instant!!!!!!!!!
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| Posted 10/26/06 2:20 PM |
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CkGm
They get so big, so fast :(
Member since 5/05 13848 total posts
Name:
Christine
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Re: Costs associated with delivery?
WOW! I didn't realize it would cost so much.
Luckily, I have 90% coverage for delivery- with a $500 max per year for all medical expenses. So the max would be $500.
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| Posted 10/26/06 2:21 PM |
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PrincessP
Big sister!!!!!!!!!!
Member since 12/05 17450 total posts
Name:
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Re: Costs associated with delivery?
I would say option 2 but it would also depend on what plans these were. What is option 1 and option 2? If any are HIP I would go for something else. Empire seems to work great!
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| Posted 10/26/06 2:43 PM |
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LuvMy2Girls
@>---------
Member since 5/05 11165 total posts
Name:
Mommy
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Re: Costs associated with delivery?
I would go wtih option 2
My delivery costs with all said and done, and I had a normal vaginal birth with epi
was $18,000
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| Posted 10/26/06 2:53 PM |
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SweetTooth
I'm a tired mommy!
Member since 12/05 20105 total posts
Name:
Lauren
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Re: Costs associated with delivery?
Posted by PrincessP
I would say option 2 but it would also depend on what plans these were. What is option 1 and option 2? If any are HIP I would go for something else. Empire seems to work great!
Both are United Healthcare, they just have differnent kinds of coverage.
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| Posted 10/26/06 3:20 PM |
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Laura1976
Member since 5/05 5754 total posts
Name:
Laura
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Re: Costs associated with delivery?
You also need to take into consideration the costs associated with the pregnancy. Lab work and sonograms are not necessarily covered by the basic plans. i've layed out almost 1000 over the past 5 months (i'm 21 weeks) just on regular stuff because my husband didn't sign up for the right package 
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| Posted 10/26/06 3:47 PM |
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SweetTooth
I'm a tired mommy!
Member since 12/05 20105 total posts
Name:
Lauren
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Re: Costs associated with delivery?
Posted by Laura1976
You also need to take into consideration the costs associated with the pregnancy. Lab work and sonograms are not necessarily covered by the basic plans. i've layed out almost 1000 over the past 5 months (i'm 21 weeks) just on regular stuff because my husband didn't sign up for the right package
I didn't even think of that, thanks!!
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| Posted 10/26/06 5:51 PM |
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