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When to expect a bill from the insurance company for baby delivery?
Posted on 3/26/19 at 10:12 am
Posted on 3/26/19 at 10:12 am
We had our baby in February and still haven't gotten a bill yet. When should I expect this? Blue Cross Blue Shield
9
Posted on 3/26/19 at 10:37 am to BlueChips
You get a bill from the hospital. You get an EOB (explanation of benefits) from the insurance company. Log into to BCBS to see if they have posted your EOB yet.
If it's not there it's because the hospital hasn't sent the bill to the insurance company yet.
If it's not there it's because the hospital hasn't sent the bill to the insurance company yet.
Posted on 3/26/19 at 10:59 am to BlueChips
Congrats on the baby.
Did you pay anything to the hospital yet?
On both of our kids birth (last one 8 years ago) We pay a co-pay of $50 to the OBGYN which covered all of her services from, pre-natal care through one post-hospital visit, a co-pay of $50 to the pediatrician which covered all of her services at the hospital, and a $1500 co-pay to the hospital. The $1500 co-pay for the hospital, we paid before my wife was admitted.
If you don't have a plan with a flat co-pay, then the hospital will bill the insurance company, they will pay what they pay, and then the hospital will send you a bill for your portion. It can take a few months.
Keep in mind other doctors may bill you as well.
Did you pay anything to the hospital yet?
On both of our kids birth (last one 8 years ago) We pay a co-pay of $50 to the OBGYN which covered all of her services from, pre-natal care through one post-hospital visit, a co-pay of $50 to the pediatrician which covered all of her services at the hospital, and a $1500 co-pay to the hospital. The $1500 co-pay for the hospital, we paid before my wife was admitted.
If you don't have a plan with a flat co-pay, then the hospital will bill the insurance company, they will pay what they pay, and then the hospital will send you a bill for your portion. It can take a few months.
Keep in mind other doctors may bill you as well.
Posted on 3/26/19 at 11:55 am to LSUFanHouston
quote:
It can take a few months.
Keep in mind other doctors may bill you as well.
We had bills trickling in for about a year.
Posted on 3/26/19 at 11:58 am to LSUFanHouston
quote:
If you don't have a plan with a flat co-pay, then the hospital will bill the insurance company, they will pay what they pay, and then the hospital will send you a bill for your portion. It can take a few months.
If the hospital is under contract with the insurance company typically they have agreed to accept whatever the insurance company will pay in total. It should be stated on the insurance statement what the patient is responsible for and will indicate $0.00 if that is the case. It is not uncommon for hospitals to either intentionally, or in error to bill the patient for the difference even when the insurance statement indicates the patient's balance is zero.
This post was edited on 3/26/19 at 12:02 pm
Posted on 3/26/19 at 12:39 pm to deeprig9
quote:It's amazing, isnt it
We had bills trickling in for about a year.
"we've already paid that" *pause, open the letter and read*...."nope that's a different one."
This post was edited on 3/26/19 at 12:40 pm
Posted on 3/26/19 at 12:45 pm to BlueChips
quote:Your insurance company sold you a baby and delivered it to you?!?
When to expect a bill from the insurance company for baby delivery?
WHAT A COUNTRY!!!
Posted on 3/26/19 at 1:11 pm to BlueChips
Pics of birthing scene or it didn't happen.
Posted on 3/26/19 at 1:40 pm to BlueChips
quote:
We had our baby in February and still haven't gotten a bill yet. When should I expect this? Blue Cross Blue Shield
We got a bill for the anesthesiologist about 3 or 4 months after our daughter was born. Everything else for the OB/delivery was collected in the months leading up to the birth.
Posted on 3/26/19 at 1:54 pm to BlueChips
mine from touro took about 9 months
Posted on 3/26/19 at 2:57 pm to BlueChips
3-6 months for first bill.
Don’t pay them immediately. First, request itemized billing from hospital. Then, dispute any charges necessary. Once you think you have it as accurate as you can get it ask them what type of discount they will give you if you pay it in full. They will likely knock at least 10% off. Then, pay with credit card and get points.
Don’t pay them immediately. First, request itemized billing from hospital. Then, dispute any charges necessary. Once you think you have it as accurate as you can get it ask them what type of discount they will give you if you pay it in full. They will likely knock at least 10% off. Then, pay with credit card and get points.
Posted on 3/26/19 at 4:37 pm to CorkSoaker
Question - we have a max annual out of pocket of $2,500. Everything I've read has birth bills being 4x+ of that. If the bill is coming directly from the hospital, would they just issue one for the max $2500 if the actual total is more than that? Or will they issue whatever the actual number is, then I have to work it out with insurance?
Posted on 3/26/19 at 7:47 pm to EA6B
quote:
f the hospital is under contract with the insurance company typically they have agreed to accept whatever the insurance company will pay in total. It should be stated on the insurance statement what the patient is responsible for and will indicate $0.00 if that is the case. It is not uncommon for hospitals to either intentionally, or in error to bill the patient for the difference even when the insurance statement indicates the patient's balance is zero.
Good point. I was referring more to any money owed due to co-insurance.
Posted on 3/26/19 at 7:52 pm to BlueChips
quote:
If the bill is coming directly from the hospital, would they just issue one for the max $2500 if the actual total is more than that? Or will they issue whatever the actual number is, then I have to work it out with insurance?
First off, The hospital is going to send a bill to the insurance company for like $374,000 or some other stupid amount.
The insurance company is going to open the bill, laugh, look up their contract with the hospital, and find out that their contract says the agreed-upon amount is something like $9,200.
The insurance company will then see what your deductible and co-insurance is, and determine, how much of that $9,200 you will owe. They subtract that from the $9,200 and send hospital a check for that amount.
The hospital will then send you a bill for whatever part of the $9,200 you owe.
In theory, that's the deal. In practice, it can be more complex due to errors at various points.
Also, your out of pocket max doesn't necessairly mean you will pay $2,500. You may pay less depending on what portion, if any, your deductible is, and what your co-pays and co-insurance rates are.
The process then continues with anyone else who sends you a bill.
Posted on 3/26/19 at 9:25 pm to BlueChips
You will pay whom ever files first. It likely won’t be as easy as one bill. Radiology might be one, anesthesia will be another, dr could be separate, etc. Once your out of pocket max is reached, you won’t pay anymore. Insurance will pay proper institutions. Don’t pay anything until you either read EOB carefully or talk to insurance first. Be patient. It takes time. Don’t worry—the bills will trickle in soon. If this is your first time dealing with medical bills and insurance, you’ll likely be shocked and learn a lot. The main thing I learned after my first born was in the NICU for 16 days was how corrupt the medical billing and insurance world is.
Posted on 3/26/19 at 9:33 pm to LSUFanHouston
quote:
The hospital will then send you a bill for whatever part of the $9,200 you owe.
In theory, that's the deal. In practice, it can be more complex due to errors at various points.
And one way insurance gets you on labor/delivery is most pregnancies span two plan years, so your wife pays her deductible twice, and the baby has its own deductible.
Posted on 3/27/19 at 7:46 am to Bestbank Tiger
Truth.
Wife hit her max with our baby easy. However, we got a bill from the on staff Pediatrician who examined our baby. Different person, different deductible. Way it goes I guess.
to some very nice health plans. $2500 family max out of pocket?!? Holla!
Wife hit her max with our baby easy. However, we got a bill from the on staff Pediatrician who examined our baby. Different person, different deductible. Way it goes I guess.
to some very nice health plans. $2500 family max out of pocket?!? Holla!
Posted on 3/27/19 at 12:36 pm to LSUFanHouston
quote:
First off, The hospital is going to send a bill to the insurance company for like $374,000 or some other stupid amount.
Yep. Getting these bills myself now. Luckily, this is the second time around, so I prepared myself for the BS that is medical billing. It's almost laughable to open one and see that the hospital billed for $30k and insurance says "nah, how about $800".
OP, as others stated, you will get several different bills most likely. Hospital charges for mom & baby separately, OBGYN charges, anesthesiologist (even got a separate nurse anesthetist one this time), hospital pediatrician, etc. Just be sure to keep track of everything you get and make sure it's all correct (deductible, co-ins amount, etc).
Posted on 3/27/19 at 3:45 pm to speckledawg
Just poking my head in this thread to further comment on the ridiculous nature of medical billing. I'm going through it now with twins and guess what? They charged us double for the ultrasounds. DOUBLE. I get it. It's twice the babies. But c'mon. It's not twice the work. It's the same appointment, the gel is already spread over mama's belly, you just gotta move that wand over 5 inches and take a couple more shots. Insane.
Also, I was chatting with some buddies who also had some babies recently. One of them works in finance, another in accounting, and I deal a lot in real estate transactions, and NONE of us ever felt like we understood what was happening with the billing process. I can't imagine what it's like for single teen moms trying to make sense of it all if the three of us felt totally lost.
Also, I was chatting with some buddies who also had some babies recently. One of them works in finance, another in accounting, and I deal a lot in real estate transactions, and NONE of us ever felt like we understood what was happening with the billing process. I can't imagine what it's like for single teen moms trying to make sense of it all if the three of us felt totally lost.
Posted on 3/28/19 at 7:36 am to Neauxla_Tiger
quote:
can't imagine what it's like for single teen moms
are you serious? 95% of that demographic don't pay shite. 
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