How much did you actually end up paying for labor and delivery? And with what insurance? My estimated cost with aetna says $3500 but so far there have been tons of hidden costs. Does this include all the stuff in the room or are there a bunch of add ons?

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4,000 for a homebirth, with a team of trained midwives, Who also traveled to me and provided all prenatal appointments in my living room, and included my older child as much as we wanted!

for those wondering- yes this also included lab and ultrasounds according to the usual schedule

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Free - thank you Universal Healthcare!

We are planning to move to the US for a few years and will likely have a second child during our time there so definitely following this - curious around the hidden costs?

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I am just banking on it being my full deductible + max out of pocket. What’s annoying is that it’s calendar year so my baby is due in April so I am paying all my copays for labs and stuff in 2022 and for 2023 I am expecting $700 for deductible + $4000 max out of pocket. I have Aetna PPO for reference. I also elected to max my HSA next year so at least some of it will be pre-tax

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Not related to this topic but Team April too... When did you / do you plan on telling employer if not already? I haven't.

Assume you'll hit the family oop max for you and baby

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I dont remember honestly it's been almost 2 years. I just remembered hitting my oop max and being like great the rest will be covered. And then surprised when all of baby's charges from the birth came through as a new person on the policy and not under my charges 🙄.

Can you update here if in a month from now you do or don't get charges for baby?

We’d met our out of pocket max doing IVF (just under $5k out of pocket for that plus some other healthcare expenses adding up to $6k) so labor and delivery were completely covered. But I can tell you that the anesthesiologist alone was $3600 paid for by Aetna and the hospital itself billed Aetna $29k which Aetna fully covered plus the OB’s bill of $10k of which Aetna paid them roughly $5k.

Insane

Curious about this too. I also have Aetna, but upgraded to their plan that has better coverage for hospital stays and pregnancy. We haven’t received our bill yet though.

Just got my bill! I have the Aetna POS EPO plan and paid $750 for my hospital stay. Total charges before insurance would’ve been 45k! Haven’t received our baby’s bill yet though, but she was added to my plan.

I had a big surprise and got lots of bills from the hospital after delivery. My OB is in network but we didn’t know that the only hospital she delivers at was out of network 💀 I had no idea that a hospital can be out of network for an in network OB, no one at her office told us either. So we had to pay to reach our out of network deductible of $5500 on top of my in network deductible. All that said, the hospital and staff was amazing, my OB was amazing and I had a smooth delivery and healthy baby. Just a few Ks less in my wallet

We hit the out-of-pocket in-network max easily ($4k United) from prenatal care/visits through delivery.

For total it ended up being about $3800? Roughly. Give or take a hundred.

Natural birth with no anesthesia. 3 days, 2 nights. (With both my kids) I have a CC90 plan with Aetna through work, with a max out of pocket for the family $5000 each year. Haven’t hit the max for a year so far. If you have HSA offered. Maybe do that so that you have HSA money taken from paycheck before tax. Since you’re going to spend the money anyways, why not cut out tax

I agree. Ridiculous. And should be illegal

There were no hidden costs for us. I hit my deductible and then everything was covered with a $0 balance.

I paid nothing. Nothing for prenatal care and nothing for L&D. I have Kaiser Permanente.

Insurance plans for a majority of companies in America are absolutely disgusting as it relates to coverage.

Will the baby have their own plan from day 1? Trying to understand when the family out of pocket max comes into play

My plan covers my whole family on the same $6k out of pocket max. We just added my sons to it the day they were born for no extra cost.

Did you get the estimate through the hospital or Aetna? I tried to get an estimate from the hospital but they won't tell me. They only told me if I do self pay, it'll be $4,500.
I'm on the Aetna HSA plan. My out of pocket max is $5k. However for all lab costs, they only cover 90%, which means I still need to pay for ultrasound even if I hit my out of pocket max. My first ultrasound was about $264 ish that I had to pay out of pocket. Pretty shitty, the whole health care system. Ugh.

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