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How much should I budget for medical expenses if I am a BCBS member?
I just found out I am pregnant. I am trying to prepare for the
expected costs associated with prenatal care, delivery and infant check ups. I belong to the Blue Cross Blue Shield Federal Employee Basic Plan. Pessimistically, I assume that I will be stuck with some additional fees or costs for non-covered expenses. Does anyone have experience with this plan and remember how much they ended up shelling out of pocket, give or take a few hundred? |
#2
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How much should I budget for medical expenses if I am a BCBS member?
"C. S." wrote in message om... I just found out I am pregnant. I am trying to prepare for the expected costs associated with prenatal care, delivery and infant check ups. I belong to the Blue Cross Blue Shield Federal Employee Basic Plan. Pessimistically, I assume that I will be stuck with some additional fees or costs for non-covered expenses. Does anyone have experience with this plan and remember how much they ended up shelling out of pocket, give or take a few hundred? Do you have a co-pay plan or a deductable? I'm on Co-pay PPO, and the only costs are $15 for the initial OB appointment and $15 for each specialist appointment or ultrasound. The delivery is supposed to be completely covered. So far, the only non-covered expense was my pre-natal vitamins. |
#3
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How much should I budget for medical expenses if I am a BCBS member?
You really should call BCBS and ask what exactly they cover and what other
costs you will incur. Every plan is different so it will be hard for a bunch of us on a newsgroup to tell you what your plan covers and doesn't cover. Good luck. ) -- Sue (mom to three girls) I'm Just a Raggedy Ann in a Barbie Doll World... C. S. wrote in message om... I just found out I am pregnant. I am trying to prepare for the expected costs associated with prenatal care, delivery and infant check ups. I belong to the Blue Cross Blue Shield Federal Employee Basic Plan. Pessimistically, I assume that I will be stuck with some additional fees or costs for non-covered expenses. Does anyone have experience with this plan and remember how much they ended up shelling out of pocket, give or take a few hundred? |
#4
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How much should I budget for medical expenses if I am a BCBSmember?
I too belong to blue cross. I am 29 weeks pregnant & so far, we had to
pay about $400 - 500 from our pockets (of course other than the $15 copayment for every doctor's visit). I have done lab work, ultrasound etc. It really depends if you are PPO or HMO (as a PPO that's what I have paid so far). I hope I have been helpful. Mona due 07-31-04 C. S. wrote: I just found out I am pregnant. I am trying to prepare for the expected costs associated with prenatal care, delivery and infant check ups. I belong to the Blue Cross Blue Shield Federal Employee Basic Plan. Pessimistically, I assume that I will be stuck with some additional fees or costs for non-covered expenses. Does anyone have experience with this plan and remember how much they ended up shelling out of pocket, give or take a few hundred? |
#5
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How much should I budget for medical expenses if I am a BCBS
When dd was born 5 years ago I had BCBS through the post office. I had the
copay for my prenatel vitamins and that was it. The pregnancy delivery and all related dr visits were covered 100%.Acutally I think I may have had a $15 copay with the first visit too. I think I had the PPO high end plan. Rose Mamma to Caity Feb 13 1999 ( Daddy's best birthday present) |
#6
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How much should I budget for medical expenses if I am a BCBS member?
"Donna Metler" wrote in message ...
"C. S." wrote in message om... I just found out I am pregnant. I am trying to prepare for the expected costs associated with prenatal care, delivery and infant check ups. I belong to the Blue Cross Blue Shield Federal Employee Basic Plan. Pessimistically, I assume that I will be stuck with some additional fees or costs for non-covered expenses. Does anyone have experience with this plan and remember how much they ended up shelling out of pocket, give or take a few hundred? Do you have a co-pay plan or a deductable? I'm on Co-pay PPO, and the only costs are $15 for the initial OB appointment and $15 for each specialist appointment or ultrasound. The delivery is supposed to be completely covered. So far, the only non-covered expense was my pre-natal vitamins. I think this must vary by the specific plan. I have BCBS also through my job (not the "federal employee basic plan", though). I owed a $20 copay at the first prenatal visit, and that's it so far. None of my lab work or ultrasounds required a copay (I haven't had anything beyond the basics though since I haven't needed it). I had to pay another $20 copay for the extra visit I went for when I thought I had a UTI (in between regular visits, so it didn't count as a prenatal checkup). If I were taking the prescription pretnatals, they would have been somewhat covered by the prescription plan (copays vary from $0 to $20 depending on the drug/generic/etc for my plan)--I'm taking OTC prenatals, so that isn't a factor for me ($6 for a year's supply from Target...). I forget how much the delivery will cost out of pocket, but I think it's pretty low or $0--last time I looked at that info was before we TTC. Also, my plan will reimburse up to $45 for a childbirth or breastfeeding class, and sent me a free book about pregnancy/labor/childbirth. I think all this would cost more if I went to a doctor or hospital that's "out of network"--we'd owe something like 30% in that case. Good luck with your budgeting! --Elit. #1 due 9/20/2004 |
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