Check out my team of doctors, the operating room was full of people. Certainly no time for modesty. The Cesarean Section will be the next post, but for now I thought it might be helpful to give you a general feel to the cost of having a baby. It certainly helps to have good insurance as you will see, but the numbers are mind boggling. Remember I had a Cesarean Section and was in the hospital for 4 days, I honestly have no idea what some of these fees are for...like supplies what the hell does that mean????
Check this out:
Mother Summary of Service:
Room and Nursing Service $3948.00
Pharmacy $1104.78
Supplies $1054.00
Laboratory $1313.00
Surgery Service $3583.00
Anesthesia $240.00
Recovery Room Service $544.00
Total for Mommy $12,589.78
After Insurance Adjustments $869.62 (out of pocket)
Baby Summary of Service:
Neonatal Physician $351.00
Newborn Service $3752.00
Pharmacy $85.34
Supplies $149.00
Laboratory $1099.00
Respiratory Therapy $52.00
Speech/Audiology $484.00
Total for Baby $5972.34
After Insurance Adjustments $321.00
OB Visits $5511.00
After Insurance Adjustments $39.11
Grand total out of pocket $1229.73, IF I did not have insurance the cost $18,601.23
When you start getting the bills in, it becomes so confusing. I waited until I got the bill from the hospital and the notice of insurance coverage, cross referenced, asked questions, then paid the bill. Sometimes there were discrepancies and we saved money due to my being proactive. This is all rather difficult all while just learning how to be a Mother. Make sure you take time to look things over and review before just blindly paying. Sometimes the insurance people make mistakes, and their mistake can cost you hundreds of dollars. And they say you should save for college, you have to nearly take a loan out for the birth ;)
Check this out:
Mother Summary of Service:
Room and Nursing Service $3948.00
Pharmacy $1104.78
Supplies $1054.00
Laboratory $1313.00
Surgery Service $3583.00
Anesthesia $240.00
Recovery Room Service $544.00
Total for Mommy $12,589.78
After Insurance Adjustments $869.62 (out of pocket)
Baby Summary of Service:
Neonatal Physician $351.00
Newborn Service $3752.00
Pharmacy $85.34
Supplies $149.00
Laboratory $1099.00
Respiratory Therapy $52.00
Speech/Audiology $484.00
Total for Baby $5972.34
After Insurance Adjustments $321.00
OB Visits $5511.00
After Insurance Adjustments $39.11
Grand total out of pocket $1229.73, IF I did not have insurance the cost $18,601.23
When you start getting the bills in, it becomes so confusing. I waited until I got the bill from the hospital and the notice of insurance coverage, cross referenced, asked questions, then paid the bill. Sometimes there were discrepancies and we saved money due to my being proactive. This is all rather difficult all while just learning how to be a Mother. Make sure you take time to look things over and review before just blindly paying. Sometimes the insurance people make mistakes, and their mistake can cost you hundreds of dollars. And they say you should save for college, you have to nearly take a loan out for the birth ;)
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