Even though everything has been finalized since April and we paid the last of the bills in June, they keep on sending us monthly statements noting that insurance is pending. I asked them the status, since they’re still sending us paper. Their response: “The account has not finalized and is currently pending with insurance for non-covered charges. Please allow time for processing.” Well, alright. ⌚️
While on the subject, I calculated the cost of all of this, assuming nothing new comes from the year-in-waiting statements. 💸🤑
The bills include Vanessa’s prenatal, labor, delivery, and typical recovery stay of a couple of days; the delivery of the twins, their 11-day NICU stay, the NICU doctors, their follow-up emergency medical transport, ER screen (spent an hour in the ER between the ambulance and going to the patient room, that hospital stay, and the on-floor doctors. Since this was always a high-risk pregnancy, being a multiple birth, there were a solid number of ultrasounds.
- $306,643.36 billed to insurance ($99k per twin was the NICU itself).
- $165,958.43 discounted through insurance agreements.
- $132,904.00 paid by insurance.
- $1,257.30 discounted directly to us by Seton—the hospital network that included both hospitals used.
- $6,523.90 paid by us out of pocket.
In contrast, when Catalina was born in 2011, the insurance I had then did not cover maternity care1. While they covered Catalina’s hospital, post-birth, it did not cover anything for Vanessa or anything for Catalina pre-birth. I mentally blocked out the actual number, but we paid about $14,000 out of pocket for that normal, non-medicated pregnancy.
- Now all health care plans include maternity, as far as I know, as a result of the ACA/Obamacare. ↩