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Used car prices starting to come down?
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Anyone else long on AMT?
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My company matches 3%. Is that low or on par?
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Rising Star
Mine was about 1.5k for 2 nights and no c section, so yours seems reasonable. Kids ain’t cheap lol.
Chief
That all depends on your insurance. 5 days with c-section probably cost $35,000. You need to understand how your deductible and co-pay work but that’s probably reasonable. You will also probably get separate bills from the OB and the anesthesiologist.
2 days no c section and no NICU was 40K for me and 10K for baby. We paid 3K out of pocket.
Also call the hospital and ask if they can work with you on lowering the bill. They often times will.
Pro
I agree. A lot of times they’ll offer a 20% discount to settle it and be 100%done.
Less than 48 hours vaginal delivery with no epidural ran me about 9k. Still had to meet some deductible so I payed almost 4K out of pocket for the cheapest and lowest maintenance delivery on the planet. You’re doing good here.
Ask your insurance for an EOB. And ask the hospital for an itemized bill. On your EOB, you should be able to see what your insurance is paying for, and what you’re getting charged for. As others have said, it’s likely this is your deductible/co-pay (or co-insurance depending on your plan structure).
On the itemized bill from the hospital, you should check to make sure they haven’t mis-coded anything for services you didn’t receive, uncharged you for things inappropriately. Most medical billing codes can be determined with a quick google search if it isn’t clearly spelled out in the itemized bill.
If something is wrong, dispute it. Don’t let the hospital scare you into paying with “due dates” for their bills - especially if you’re still in progress trying to dispute something. A recent announcement by the credit bureaus says that medical debt won’t impact your credit score until it has been active for a year, so you’ve got plenty of time to work through it.
If everything is correct but you don’t have the money right now, ask the hospital about a payment plan, as they can usually offer better options than putting the cost on a credit card and having to pay interest there.
And if you don’t understand something in the process, ask questions! Especially of your insurance company, and if you don’t get the answers you need, go to your company’s HR benefits coordinator. The HR benefits coordinator can help guide you or ask contacts at the insurance company you don’t have access to. And your company should be aware if your insurance is not fulfilling its obligations to you and/or if there isn’t enough information available to you to guide you through the process (this is a huge factor when it comes to renewals).
So disregard the headline numbers because that is US health-care magical thinking.
In general having a baby in the US will cost all your health-care deductible. So I'm guessing you and a $4500 deductible and you have spent $1400 on Pre natal visits and other health-care. And this cleans out the rest of the deductible.
In that case it doesn't really matter what the bill is, that's negotiated between the hospital and the insurer. Between you and the insurer you agreed to pay the first day $4500 and this is them asking for that.
I was in the hospital last year for 3 days and the bill was $145,000. My portion after insurance was $660. My deductible and out of pocket were already met prior to hospital.
I meant 40-45% overall. Taxes on income and social security are in rate bands. If you are on 60K you don't pay taxes on the higher band (52% for example) for your whole salary. You pay 35% on the first 35K for example, then 52% for the rest. This is again, depending on the country, some of them have more bands some have less and all of them at different rates. And regarding waiting lists, again it varies A LOT by country and even by region within the country, I know this from first hand experience.
Seems pretty reasonable based on our experience but as others have said - lots of variables
Chief
As others said, it depends on insurance but at first glance, it looks reasonable
Sound super reasonable. Depends on your insurance
Consider the standard terms of 100% of deductible and 20% of in network cost after that until your maximum out of pocket pay.
So what’s your deductible? What’s the total medical bill? Subtract your deductible from total cost and then do 20% of the remaining balance. Add back your deductible to that and you should get to $3,100. If still not clear, then call your insurance and ask them to explain.
If you have another kid by the end of the year, you’re only paying $1,900 assuming maximum out of pocket is $5,000. You maybe be able to dollar cost average your kids.
😃😃
I paid 3.5k out of pocket
I would ask for itemized bill from the hospital. My delivery was super easy and I was in the hospital less that 24 hrs. When the bill came it was $10,000 and I thought that that sounds reasonable. All I had to pay was $1,000. When I received the itemized bill, I noticed that they had charged me $5,000 for private room. I argued with them because first, I never asked for a private room and second, all rooms are single rooms. They said “I’m sorry , it must be an overlook”. Yeah right, this was not an overlook, it was clearly padding the bill. Had I not asked for an itemized bill, I would’ve just pay my fair share and have it their way. Ask for itemized bill and dispute everything that you disagree with. Hospitals are money machines!
This is the way to go. I've had this happen and argued the bill as well. The hospital will back down.
Depends on your insurance and the hospital. Hospital charges you whatever the rate is based on your insurance company and state.
https://www.cbsnews.com/amp/pictures/cost-giving-birth-in-united-states/#app
Thankful for our health insurance. My wife and I just had a baby in February and only paid 300 out of pocket. Pretty sure it was just the deductible.
Sounds reasonable, depends on your insurance.
As others said, it depends on your insurance carrier, the plan offered, the doctors, the facility, and the individual services offered.
Pro
I stopped reading after your first sentence because my 50 years of life experience left me with little doubt the answer will be yes. Someone who felt the need to read more, reply to let me know if I’m wrong.
Yes, we paid a few thousand for a $80k pre-insurance bill for similar duration, emergency c-section, etc. Of course it varies by insurance plan, if you’ve hit your out of pocket max, etc., but you know that.