May 08, 2007,
K. asks from Keller, TX on May 07, 2007
L. answers from Dallas on May 07, 2007
It depends on what your annual deductible is. This is NOT your co-pay. For instance, if it's a 90/70 that means, BCBS pays 90% of In-Network and 70% Out-of-Network. Meaning you would pay 10% or 30%. You should ask your HR person what your annual deductible is or BCBS. Also, ask them if it's fiscal or calendar year. Once you have met the annual deductible, they should cover 100%.
H.D. answers from Dallas on May 07, 2007
I depends on your hospital deductible. We paid $5000 total. That may sound expensive but keep in mind a c-section and necessary medical procedures can run up to and over $30,000.
S.B. answers from Seattle on May 07, 2007
It depends on your deductible and co-pay and coverage. Our first baby was completely FREE!! Didn't pay a dime to deliver her. Our second was about $400...still not bad considering what the insurance paid!! Talk to your HR rep or pull out your insurance packet...it should tell you what percentage is covered and what your co-pay deductible is, if any. Also, you should have to submit paperwork to the Dr. and hospital, their billing coordinator will be able to tell you how much it is before you deliver. We had an exact dollar amount before we ever got to the hospital.
Congratulations on the baby!!
J.S. answers from Dallas on May 08, 2007
A.B. answers from Dallas on May 07, 2007
Every insurance does it different and every insurance policy has different deductibles. I had my baby at the same place my OB's office was at, so my costs were all rolled into one (doctor visits and delivery) and we prepaid what was considered a "normal" vaginal delivery with no extras added in. I think in total we ended up paying was around $1500, but that was because my son had to have a couple extra tests ran while we were in the hospital. If you consult with your insurance company they should be able to give you a good estimate on what you will end up having to pay. Like I said, my OB's office had me start to pre-pay what my insurance wasn't going to cover four months before the baby was due and they were able to put me on a payment schedule so I didn't have to pay everything at once. The only things we were billed for beyond what I prepaid were the extra tests that we had to have done and the medication that I was given in the hospital. The pre-pay also included my 6 week postpartum check up as well as my baby's first check up.