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How much did some of you pay out of pocket for having a kid
Posted on 3/14/20 at 11:01 am
Posted on 3/14/20 at 11:01 am
I normally let the wife deal with this type shite but im curious what peoples experience is with this and if you can trust insurance estimates
Ive heard from 2 grand to 10 grand out of pocket with decent insurance. She works at Northside hospital and has aetna I think. If thats relevant
Fun fact. My OCD mental patient wife does mri and has a girlfriend at work that does sonogram and has no less than 20+ baby pics already. At like 4.5 months. How fricking annoying is that
Ive heard from 2 grand to 10 grand out of pocket with decent insurance. She works at Northside hospital and has aetna I think. If thats relevant
Fun fact. My OCD mental patient wife does mri and has a girlfriend at work that does sonogram and has no less than 20+ baby pics already. At like 4.5 months. How fricking annoying is that
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Posted on 3/14/20 at 11:28 am to Sheftie
The bills will trickle in for 8 months.
Depends on how long your stay, any complications, blood transfusions anesthesia c-section etc.
Depends on how long your stay, any complications, blood transfusions anesthesia c-section etc.
This post was edited on 3/14/20 at 11:30 am
Posted on 3/14/20 at 11:38 am to deeprig9
Yea I was going to specify a trouble free delivery. Her hole has an impressive radius already I dont foresee any issues
Like roughly how much if we go home the next day basically with minimal issues. Like the pep boys version
Like roughly how much if we go home the next day basically with minimal issues. Like the pep boys version
Posted on 3/14/20 at 12:01 pm to Sheftie
Hospital room alone was $1500/night for me at Kennestone. And bring your own Advil. They charge $5 a dose. It’s a GD racket in there
Posted on 3/14/20 at 12:12 pm to Sheftie
Wife's insurance is insanely good. We paid $110. 2 of the visits to OB at $30 a pop, and everything after was covered by insurance except the $50 ER co-pay. We were very lucky with her insurance.
I think it would be roughly $4000 if we had my insurance, as it covers everything after deductible.
I think it would be roughly $4000 if we had my insurance, as it covers everything after deductible.
Posted on 3/14/20 at 12:16 pm to Sheftie
quote:
Ive heard from 2 grand to 10 grand out of pocket with decent insurance. She works at Northside hospital and has aetna I think. If thats relevant
What is your provider's out of pocket max and what kind of plan... All of that will dictate how much it hits your wallet directly. Costs on an HMO vs PPO vs HDHP will vary greatly.
Posted on 3/14/20 at 12:18 pm to IT_Dawg
quote:
Wife's insurance is insanely good. We paid $110. 2 of the visits to OB at $30 a pop, and everything after was covered by insurance except the $50 ER co-pay. We were very lucky with her insurance.
IT Dawg livin' that sweet life with the HMO baby coverage. Did you switch back to yours afterwards or is it super subsidized by her work?
Also, OP, when is the expected delivery date... pregnancy that crosses calendar years sucks... since all the lead up visits are in one year and then the delivery is in a new year with a new deductible...
Posted on 3/14/20 at 12:20 pm to DawgCountry
Yea we're in woodstock and she's sold on northside cherokee I think. But yea I know kennestone is stupid
And she texted me she has humana through work
I have no idea if any of these details are relevant
And she texted me she has humana through work
I have no idea if any of these details are relevant
Posted on 3/14/20 at 12:32 pm to fibonaccisquared
quote:
What is your provider's out of pocket max and what kind of plan... All of that will dictate how much it hits your wallet directly. Costs on an HMO vs PPO vs HDHP will vary greatly
Holy shite ok maybe im not up to speed on how this all works enough to be asking questions. guess ill just wait for the bill
The due date is around Aug 28 tho
Posted on 3/14/20 at 12:41 pm to Sheftie
If everything is fine, you can go home when you want.
For our 3rd child, we were in the hospital about 26 hours from arrival to check out.
For our 4th child at Northside altanta, we stayed so short that we never saw a doctor the entire time we were there.
If everything is healthy, you can control a lot of the expenses.
For our 3rd child, we were in the hospital about 26 hours from arrival to check out.
For our 4th child at Northside altanta, we stayed so short that we never saw a doctor the entire time we were there.
If everything is healthy, you can control a lot of the expenses.
Posted on 3/14/20 at 12:42 pm to Sheftie
No worries man. Insurance is complicated. I would strongly advise understanding it though so you know how to maximize your coverage and not pay unnecesarily. But to each their own.
Posted on 3/14/20 at 12:46 pm to meansonny
quote:
Northside altanta
Thats where she really wanted to go. she raves about that location. She said her Dr doesn't deliver there tho which makes no sense idk
Posted on 3/14/20 at 12:51 pm to fibonaccisquared
quote:
Insurance is complicated. I would strongly advise understanding it though
Apparently so. my mom has always taken care of mine up until recently so im trying to get up to speed on it. nothing seems to be very cut and dry about it. Guess this is why people didnt like obama
Posted on 3/14/20 at 12:58 pm to Sheftie
quote:
Thats where she really wanted to go. she raves about that location. She said her Dr doesn't deliver there tho which makes no sense idk
With our first, we were raving fans for our doctor and Northside. The more kids we had and more experience (knowledge) as to what "normal" is, the less and less we we were impressed with both.
We only experienced one OB group and one hospital. But I think the experience is more determined by each individual health situation (problems vs no problems). Experience and reputation are more myth and overrated.
This isnt relevant to your OP question. But tell your wife that you will be fine not being at the Atlanta baby factory.
Posted on 3/14/20 at 1:01 pm to meansonny
St Mary's in Athens wouldn't let us leave for three days. Zero complications. Acted like they would call the cops if we left. $4500 a day facility charge. I had good ins at the time, hmo. If I was on hdhp or medicare they probably would have thrown us out the same day.
This post was edited on 3/14/20 at 1:04 pm
Posted on 3/14/20 at 1:29 pm to deeprig9
quote:
St Mary's in Athens wouldn't let us leave for three days. Zero complications. Acted like they would call the cops if we left. $4500 a day facility charge. I had good ins at the time, hmo. If I was on hdhp or medicare they probably would have thrown us out the same day.
With our third child, the hospital said that we shouldn't leave. We asked why. They said to monitor us. We said we can "monitor ourselves" and we left.
With our 4th, they said that we needed to be checked out by a doctor. We had already been in the hospital 36 hours, delivered a baby, and still never seen a doctor. We were pissed. They let us go.
Posted on 3/14/20 at 1:33 pm to deeprig9
I dont know if it mattered, but my mother in law was a nurse at Northside Atlanta and retired after over 20 years (retired just after our 1st was born 3 years earlier)
She didnt stay with us or anything at home, but we emphasized that we had a professional for assistance if needed for an opinion at home.
She didnt stay with us or anything at home, but we emphasized that we had a professional for assistance if needed for an opinion at home.
Posted on 3/14/20 at 1:37 pm to meansonny
quote:
With our third child, the hospital said that we shouldn't leave. We asked why. They said to monitor us. We said we can "monitor ourselves" and we left.
With our 4th, they said that we needed to be checked out by a doctor. We had already been in the hospital 36 hours, delivered a baby, and still never seen a doctor. We were pissed. They let us go.
Typical tactic to bilk you/insurance out of more money. I was in the hospital for 22 hours for what turned out to be nothing. I saw a doctor once for 5 minutes and all they did was IVs and give me heparin shots for some reason. I finally told them to knock off the heparin, as I wasn't going to be bed ridden for weeks.
Posted on 3/14/20 at 1:44 pm to Sheftie
quote:
Guess this is why people didnt like obama
Regardless your political leanings. Obama gets shite on unfairly for insurance issues. I know the space extremely well. Obamacare was poorly executed/implemented for MANY reasons both self inflicted and due to opposition but the basic premise behind it was correct. Insurance is expensive on the individual level because a good chunk the healthiest subset of our population is not included in the risk pool. It's sucked since Nixon made the decision to tie it to our employment to help out his buddy at Kaiser... Think about how crazy that is... access to healthcare for the majority of the population is dependent on you keeping your job... making you beholden to your employer. And if you own your own business, you get bled fricking dry for insurance costs because you don't have a big enough risk pool.
Definitely would recommend understanding exactly what your insurance does/does not cover... how much is your maximum outlay and if there are things you can do to decrease costs during delivery. Good luck.
Posted on 3/14/20 at 3:49 pm to fibonaccisquared
quote:
It's sucked since Nixon made the decision to tie it to our employment to help out his buddy at Kaiser...
Who taught you that?
quote:
I know the space extremely well.
I now have my doubts.
This post was edited on 3/14/20 at 3:50 pm
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