In order for my wife to stay at the hospital we have to?

Question

pay $200/day after the insurnace while she is delivering the baby. Is that too much? Any suggestons?

Answer 1

First off what is your copay/deductable for the year for your wife under your insurance....basically what are YOU expected to pay per year for her.

The entire pregnancy/labor/and stay is under her also is the baby - until that baby is out and then under it's own policy.

I know in our family I'm 500.00 - that's it, i could have surgery, pregnancy, etc - and all i'll pay for the entire year is 500.

When my daughter was born she had severe issues and had to stay in the hospital for 6 more days. Because of nursing being the best for her, and us living 45 min away - my doctor and her doctor both contacted our insurance and basically said i was to stay in the hospital too.

Sometimes a doctor can override the insurance.

If your policy is too high -- look around:)

Answer 2

If that's the way your insurance is, there isn't anything you can do to change it.  It sounds pretty reasonable though.  

Answer 3

That really isn't bad, about the stay of a nice hotel visit really.  As long as she has a healthy vaginal birth, she (and baby) will only be there 24 hours, so it really isn't that bad.  If she has a c-section, that's usually 3 days, but most hospital will set up a payment schedule with you.  Good luck!

Answer 4

typically co-pays are paid once per admittance, not per night....double check that, but if that's how your insurance works, then what other options are there?  I know my co-pay is $300 per stay and that only affords you a double room.  I'm splurging for a private at an extra $300 per night....perhaps this per night charge is an extra expense above and beyond what your insurance covers?

Answer 5

If that's the way your insurance plan works, that's what you pay.  

Unless there are complciations, she' shouldn't be in the hopsital more than a couple of days anway, so that's not a lot of money. (And the hospital will let you pay in installments, so you won't have to hand them a $400 check before they let her leave.

Answer 6

i have horrible insurance. they wanted me to pay a 3000 dollar deductible and then they only covered 80% after that. i was able to get medicaid as a secondary insurance, and they covered everything that my main health insurance did not. i do not know your financials, and if you would qualify, but you should look into it. you can contact your local family services department. good luck

Answer 7

Most women are in the hospital for two days so it would be $400. Does that cover the baby too. If it does that sounds like a reasonable cost

Answer 8

i suggest coming to canada where it dont cost you nothing. you pay premiums every month and you are covered for hospital/doctors visits.

other then that, i think from what i read, people are paying up to 3500 for a delivery is the states, so concidering your wife will probebly on be in there 2/3 days, 400 to 600 isnt that bad.

Answer 9

is 200 dollars your copay if so that covers the whole time she would be in there not just 1 day. My copay for hospital stays are 200 and if I am in there 1 week or 2 days it is still $200

Answer 10

Did you speak to the insurance directly? Get a break down of the coverage. When it comes to maternity, 2 days post vaginal labor and 3-4 days post c section is standard. If there are any complications (God forbid) for your wife the insurance can code it as whatever it is and that stay will go towards your deductible. Basically with insurance it should be a package plan.

If it turns out that you DO have to pay the $200 a day, you can work out a payment plan with the hospital for as low as $10 a month. Congratulations & enjoy!!!!