Anyone Else Without Maternity Insurance?

I had my son without insurance and I had a payment plan with JPS Hospital.
I can check them out if yo uar ein Tarrant County.
Y.

Someone told me once that if you have a c-section, whether it is scheduled or not, it must be covered by your regular medical insurance in the state of Texas. It is considered a major-medical procedure. You may want to ask or ob/gyn if this is right or not. Also, check around at different hospitals for prices. When I had my second, we did not have maternity insurance, and Harris HEB was about $1800 less than Baylor Grapevine. You just have to pay ahead of time if I am not mistaken. Also, if you pay for anesthesia there in the hospital, you save $500 dollars. The anesthesiologist took our credit card right then and there. In addition, some ob/gyns will offer you a discount if you are uninsured and will work with you on payments. Its really not that bad. We paid about $3000 total out-of-pocket for our second child, however that was a natural birth. Good luck!

I have a very good friend who us self-employed and ran into the same issue as you. She called around to several hospitals and found that if you call them in advance and let them know that you are a private pay c-section that they offer an all-inclusive package. Believe it or not, she only paid about $200 more than what we paid with insurance. She ended up at Harris Methodist SW (they offered the best price).

I am in the exact same situation as you are. I looked into he Maternity Card but decided against it. You may want to take a look at their site and decide for yourself www.maternitycard.com I called around hospitals and doctors and asked for a quote for their "Cash prices". I ended up choosing Trinity Medical Center in Carrollton. They quoted me $4500 for mother and baby with a 3 day stay and a C-section. I also found a wonderful doctor who delivers there and he quoted me $2900 including routine lab work and one sono. There will also be a $400 doctor assist for the C-section + anestesia (I can't get Pinnacle to return my call, but it doesn't matter since they handle most local hospitals anyhow.) My advice is for you to call around and ask around. Just be sure you find out what is included in everything. One doctor's office gave me a price and then luckily I asked about lab work and they said I would be on my own for that and it typically runs over $1000. Your regular insurance would probably cover the baby once he or she is fully born (mine does) so you shouldn't have to worry about that - but call them and check anyway. Good luck.

Call Brian Robison he is a insruance guy. I am not sure if you can still get covered but he can answer all your questions.

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When I had my son 3 yrs ago, I did not have maternity coverage. I found that the hospital would let you pre-pay for the delivery at a discount. I pre-paid by the end of my 7th month, and it cost $3000. According to them, if I had waited until after the birth and had them bill me, the cost would have been $8000-$10,000. The other nice thing about pre-paying was that it also locked me in to discounted rates on services....I ended up having a c-section, so I had to pay that after the birth, but the discount rate was only $1500.

I also pre-paid my Dr, which was an additional $3000. So, my total was around $7500 for everything....much better than waiting to be billed!

You will definately want to discuss it with your Dr...they may have more suggestions for you too. I have heard that not all hospitals offer a pre-payment plan, so check it out early!