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Does Slalom offer fertility coverage? (E.g. IVF)
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$5 for the first prenatal visit. The rest was fully covered, which was hundreds of thousands due to an extended NICU stay. Can’t top BCG benefits in the US...
Total cost = 5k (this is all expenses through the birth. That is on the cheapest HDHP HSA plan. If you count the $500 contribution the company makes to the HSA, It reduced the total cost for us to $4500. I think the birth alone was $16k w/our insurance, no complications.
The plan pays 100% after 5k expenses per person. Of course the big benefit of this plan is the ability to fund an additional triple tax free retirement benefit each year.
Baby is separate but those expenses were pretty much routine and mostly covered. I don’t remember many expenses.
I want to say all in 22k but I don't remember what our premiums were (this seems high). We hit our max oop on a high deductible plan. I don't think it would have been much cheaper on the higher premium plans. Wife had maxed out 5k individual cap early but then baby gets its own deductible for hospital care post birth so we hit the family max if 10k oop.
Ignore that premium number I think it was a fraction of that. Regardless, over 25k of incurred expenses and we paid 10k oop plus whatever the premium
On the high deductible plan with a max out of pocket of $5k individual/$10k family. The birth center we chose charges $10k (global billing) as long as there are not complications and you need a hospital transfer.
Births cost anywhere from $5k-$45k depending where you deliver. So you’ll either need stellar insurance or you’ll hit your max out of pocket in most cases. I’d recommend calling your hospital and just asking what an uncomplicated vaginal delivery costs (cash price and insurance price)
Highly dependent on which hospital and doctor