Although we do have health insurance, there’s good news and not-so-good news about it when it comes to my pregnancy.
Good News: Overall, there is no deductible and we have to pay 30% for almost all services, up to the $2,500 out of pocket maximum. That’s not too bad, and quite frankly, that’s the best individual plan I could get with some sort of maternity benefit. It’s also with a trusted insurer that I have worked with before (Blue Cross Blue Shield). It will cover 70% of the delivery costs.
Not-so-good News: The plan does not cover prenatal or postnatal care. To me, this seems very odd because prenatal care is so important during pregnancy. With my son, near the end there were many tests and ultrasounds. I developed pregnancy induced hypertension and they wanted to monitor us closely. Add to that the fact that my son was almost two weeks late and I’m sure the costs were significant. I wish I kept all of the paperwork from our care, but I didn’t.
It would be nice if I can get an idea of what to expect for costs. This is my biggest problem with medical care. If you want to know the cost of something, you cannot get a straight answer. Even if you call to find out the cost of an office visit, they give you a run around answer about how many different things factor into a visit and they cannot possibly tell you the cost beforehand. Everything else I spend money on I can shop around wisely. Healthcare is a different story and it drives me crazy.
When I had my son, everything was covered 100% through my husband’s employer’s health insurance plan. I didn’t pay anything out of pocket. This time, I will need to be vigilant and apply some of the things I have learned:
– I will ask for detailed bills and go through them with a magnifying glass if needed to make sure the charges are correct.
– I will ask if there are ways to receive a discount (like pay in cash, perhaps).
– When it comes time to get prescriptions filled, I will shop around for the best price since prescription costs can vary wildly from pharmacy to pharmacy.
The last thing I want to do is to start putting medical costs on our credit cards. I will if I absolutely have to, but I won’t do it without a fight.
I can see it now…I’m 9 months pregnant and it looks like I am about to burst and I’m sitting there with the billing department arguing over a $10.00 overcharge. I’m laughing because I can see myself doing it! LOL.