RockyTopVols: landosmommy: 526SadieSadie:
I have never heard of this. Insurance gets billed and if there is a way to charge you, the insurance co. will do it.
This is what happened for me, insurance was billed and I got a bill for the balance.
me too. I've never heard of what the OP is dealing with. I would not like that.
ETA: What about pain meds or Pitocin while you're in the hospital? Does that just get added on to a bill for later if you happen to receive those things? Seems like a PITA to me....
Our insurance covers all of that as long as our OB orders it "medically necessary". And she told us that if she had to induce, it would only be for medical reasons obviously and pain medication is also necessary.
After paying upfront, unless there are complications or a c-section, we will not see a bill again. We are done. Our OB office does the paperwork and does everything with the Ins company.
Also most of these drugs fall on the hospital charges so they will be billed after. With my OB I am literally only paying for his time to deliver the baby. As it was explained to me, all drugs I receive in the hospital will be billed by the hospital after delivery just as the epidural and room and board charges.
All the OBs I talked to, use this billing method as more people are not paying bills that are billed after the fact, especially medical ones. When these bills are not paid, the rest of our costs go up as they have to still pay their employees, medical boards, insurance etc. Also you will receive normally a much larger bill from the hospital so the OB is just making sure they receive their payment.
If someone cannot pay it, they can work with the financial coordinator in their office for a different payment plan. We were told if we ran into any issues with our set payment plan (4 monthly payments) then just speak with them and we would find an alternative that worked for both of us.
We were made aware of this at our 12 week appointment so it wasn't like we got told with a month to pay.