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We just had our first baby with BCBS and maternity, but have been considering other more cost effective ways of having the next baby (maybe 2 years). Does anybody know the most cost effective way of delivering a baby without insurance? I'm aware of discounts at some places, but would love anything more specific. Thx!
Is this a troll? Because this is JUST UNFREAKINGBELIEVABLE.
We just had our first baby with BCBS and maternity, but have been considering other more cost effective ways of having the next baby (maybe 2 years). Does anybody know the most cost effective way of delivering a baby without insurance? I'm aware of discounts at some places, but would love anything more specific. Thx!
Although adoption is probably more expensive than health insurance. And they probably won't even allow you to adopt a child if you can't provide health insurance for it. So scrap that!
Although adoption is probably more expensive than health insurance. And they probably won't even allow you to adopt a child if you can't provide health insurance for it. So scrap that!
Maybe the poster means putting the baby up for adoption? Often-times the adoptive family will pay the medical expenses for the birth mother.
Though, that doesn't sound like what the OP is getting at.
How much coffee do you guys drink. I figured I'd join up here at city-data to get some advice since maternity rider is like 200-300 bucks a month and we don't plan to have a child for 2 years. That's an average of $6,000 that we will pay by then. We will probably carry insurance which would cover complications of birth (Emer. C section, etc). Since there is about a 50% discount for folks without maternity, we're weighing the options of just saving the $6,000 and finding a lower cost than REX, WakeMed, etc, type of birthing center. We can afford the maternity rider, but it seems like a ridiculous waste of money.
...and "skimping" on any of the prenatal care might mean you miss something major. Just don't do it.
Not sure what coverage you have right now, there are various levels even with BCBS. Might be worth (yikes) INCREASING your BCBS policy for her to get to the next reimbursement level (an extra 10% reimbursement on a pregnancy tends to be substantial). You might save several K by bopping your coverage from 70% to 80% for example (which will essentially spread the cost over a longer period of time).
Not sure what option you currently have on when you could increase/decrease/change coverage - but might be worth checking it once you can.
Without the Pressure,
Have you even read the posts??? We understand your plan: find a low cost birthing center and have a really healthy child with no complications during pregnancy or delivery.
Our point is that you cannot count on that. Your wife could get pre-eclampsia. Your wife could go into labor at 6 months and have to spend 3 months on medication and constant monitoring. Your child could be premature, could have a serious health issue, etc.
You have NO IDEA what's going to happen so you can't count on it all being perfect.
With your line of thinking, you should get rid of your car insurance and home insurance as well as you don't plan on getting in an accident or burning your house down. Dump the life insurance too--just sign up for that when you're 90 since you're not planning to die til then.
Maybe the poster means putting the baby up for adoption? Often-times the adoptive family will pay the medical expenses for the birth mother.
Though, that doesn't sound like what the OP is getting at.
The "official word" we had got from an attorney on this matter is that you should expect adoption costs to be somewhere in the 25-40K for an adoption once you consider all costs, prior to whatever small amount you might get back on your taxes. If you have a good network of people, are tapped in to the right places, all of those fees could theoretically vanish, but - don't count on it.
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Wow
