We are very blessed with wonderful health insurance through Y's employer. There is not any monthly cost to us to have the family plan for health insurance through them.
I called our health insurance today to see if they would cover a breast pump. They will only cover it of your baby is required to stay in the NICU and the mom is discharged. I also inquired on how much it is going to cost me to have this baby. Year to date, I've paid around $75. I have a $400 deductible with a maximum on coinsurance out of pocket of $750. The most I will have to pay will be $1150 but baby will start incurring his own charges and have his own $400 deductible. However, they have a program available where I have to take a couple phone surveys and they waive my deductible. Yay!!!
Then the representative asked me if I was going to have the baby in our state. I am not as my town doesn't have a hospital. I will go to MN to have the baby. This is in the town right next to mine but split by the river and Stateline. Because of this, there is an extra $500 charge. I'm not really surprised by this because my state often has incentives to keep it local.
Now I could deliver in the town 45 minutes away but I'm not going to change doctors and go there. It would have cost me more than $500 to doctor there between time off work and gas. Plus, it is local to me to go to MN in the town I work in.
We flexed $1000 this year for medical and we still have around $700 left. We will still need to cover some out of pocket but it shouldn't be too bad.
I prefer not to get an epidural or other drugs. I don't even want an IV. I just want to push the baby out the same way I did Lil Punk. Of course babies do have their own agenda so we will see. Epidurals are really expensive so it will save money by not having one. I'm not skipping it because of the money though. That's just my own preference.
We are very blessed to have awesome health insurance. It was around $9000 to have Lil Punk 4 years ago so it will be interesting to see how much the costs have increased. We had different insurance at the time and we paid around $1500 out of pocket that year for health care.
If you've had any babies, how much did they cost? How long ago?