Do robustness insurance companies usually...?
reimburse upfront fees my husband and I are going to owe my OB/GYN out of pocket before our son is born in April? I am 30 weeks pregnant. We are going to enjoy to pay $2500 to my OB/GYN before April and be JUST told about it 2 weeks ago... We are very frustrated they assumed we would own no problem coming up with that kind of money out of pocket contained by less than 12 weeks... and there are no payoff plans available. I have already asked. I am hoping that is something I may know how to get reimbursed by my insurance company (COBRA/BCBS) after the birth. Is this something anyone has hear of or experienced? Is this pretty typical for doctors to charge an upfront fee like that or did I only just choose a crappy doctor wanting to rob me blind?
Also, we are both curious... what happens if we didn't pay the $2500? Would we draw from reported to collections? Would I just deliver the baby beside a different doctor? I don't feel like giving her a dime since she have waited so long to tell us give or take a few the fees!! We are just a young couple within our mid 20's and don't have $2500 laying around... especially next to a new baby coming.
Answers:
wow. next to that money you could hire an independent home-birth midwife. Just out of curiousity, why do you need an Ob-gyn? Do you have a disease or a condition putting you and/or your toddler at really high risk of death? Generally speaking, if you're decent and your baby's healthy, an ob-gyn could cause more complications than do virtuous. Ob-gyn for delivery and natal and post-natal and ante-natal care is NEVER a cheap risk. Seriously. Leave him unless there's something really putting your health or your baby's health at risk. Look for a midwife. Independent home-birthing trained midwives own additional medical training on top of their regular midwifery training. Or even a birthing centre would be cheaper than what you're thinking of doing. Even if you pay adjectives the fees, there's no guarantee that he/she'll be there for the birth and when you need him. And yes, you'll still hold to pay for the services.
i hold bcbs...I paid ONE co-pay to my ob and that covered everything up to the delivery, where on earth our co-pay was 250. So net cost for my entire pregnancy plus labour was 265$
i'd ask your insurance company what's up...maybe she's not contained by network so you have to some some percentage?
The first time you visit you OB they should have made a financial contract with you. Breaking down the lump sum into payments (I have to pay $1200 over 5 months.) I would defiantly beckon your insurance company. Also when you pay a lump sum like that you shouldn't hold to pay co-pays when you go to the Ob except the 1st pop in, so if you've been paying them all along that money should stir towards the $2500. Sounds like someone at your OB's office screwed up. Good luck.
companies have to adopt payments if you are unable to make the full fee... this is very similar to what happened to my hubby and i.. i have one copay my first visit to the ob/gyn of $50. then zilch. then when i was roughly 30 weeks along, they called me into the financial office and told me i owed them $500. i told them that at hand was no way my husband and i could earnings it all at once, and they told me that it just have to be paid before i deliver, so i made payments every visit.
noone can send you to collections if you are making payments towards a debt. i suggest you hail as them out about that... just agree to them know there is no way you can be in charge of to pay in full, and trust me, they will kind something work.
:)
edit: and to delicious... what is your plan, and how much a month do you wage!?? i need better ins WITH maternity.... i enjoy bc/bs w/o maternity Source(s): me and my lovely ins......
Related Questions:
Also, we are both curious... what happens if we didn't pay the $2500? Would we draw from reported to collections? Would I just deliver the baby beside a different doctor? I don't feel like giving her a dime since she have waited so long to tell us give or take a few the fees!! We are just a young couple within our mid 20's and don't have $2500 laying around... especially next to a new baby coming.
Answers:
wow. next to that money you could hire an independent home-birth midwife. Just out of curiousity, why do you need an Ob-gyn? Do you have a disease or a condition putting you and/or your toddler at really high risk of death? Generally speaking, if you're decent and your baby's healthy, an ob-gyn could cause more complications than do virtuous. Ob-gyn for delivery and natal and post-natal and ante-natal care is NEVER a cheap risk. Seriously. Leave him unless there's something really putting your health or your baby's health at risk. Look for a midwife. Independent home-birthing trained midwives own additional medical training on top of their regular midwifery training. Or even a birthing centre would be cheaper than what you're thinking of doing. Even if you pay adjectives the fees, there's no guarantee that he/she'll be there for the birth and when you need him. And yes, you'll still hold to pay for the services.
i hold bcbs...I paid ONE co-pay to my ob and that covered everything up to the delivery, where on earth our co-pay was 250. So net cost for my entire pregnancy plus labour was 265$
i'd ask your insurance company what's up...maybe she's not contained by network so you have to some some percentage?
The first time you visit you OB they should have made a financial contract with you. Breaking down the lump sum into payments (I have to pay $1200 over 5 months.) I would defiantly beckon your insurance company. Also when you pay a lump sum like that you shouldn't hold to pay co-pays when you go to the Ob except the 1st pop in, so if you've been paying them all along that money should stir towards the $2500. Sounds like someone at your OB's office screwed up. Good luck.
companies have to adopt payments if you are unable to make the full fee... this is very similar to what happened to my hubby and i.. i have one copay my first visit to the ob/gyn of $50. then zilch. then when i was roughly 30 weeks along, they called me into the financial office and told me i owed them $500. i told them that at hand was no way my husband and i could earnings it all at once, and they told me that it just have to be paid before i deliver, so i made payments every visit.
noone can send you to collections if you are making payments towards a debt. i suggest you hail as them out about that... just agree to them know there is no way you can be in charge of to pay in full, and trust me, they will kind something work.
:)
edit: and to delicious... what is your plan, and how much a month do you wage!?? i need better ins WITH maternity.... i enjoy bc/bs w/o maternity Source(s): me and my lovely ins......
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