Looking for some help here, I’ve gotten used to HDHP over the last few years for regular check ups, some diagnostics, etc. but nothing as big as this.
We had our first child on a really good Kaiser HMO plan, I never saw any bills for anything.
Obviously this time around it is going to be different. Our PPO network is very large, a full PPO network (Anthem, if that matters), not a skinny network.
Using Anthem’s “Castlight” site I’ve got a estimate of $3,000-$5,000 OOP for L&D. (Total cost $12k-$16k)
Max Out of Pocket on the plan is $6,500, Ded. is $1700. Wife is unsure about Epidural, let’s assume we go with one but I’m not sure if it is included in the above estimate.
We’re both a little spooked about the idea of someone out of network showing up on delivery day and billing us. Anything that can be done about this?
Are all Prenatal checks, ultrasounds, etc, still considered preventative care, even on HDHP?
I’m looking at the majority of bills being around L&D early next year (Feb). I’m looking into ways to minimize those bills if possible.