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. ↩
One year ago at this time, we were on the 2nd floor of Seton Medical Center waiting for Ana and Dorothy to be born. This sign is outside of their “Nourishment” room, which had an empty fridge, an ice machine, and plenty of coffee. I defer to their determination that coffee is, in fact, nourishment.
This began our 11-day residency in Seton. To catch up, read the NICU posts on the Family blog.
I like to run. While my frame doesn’t scream out the running type, I seemingly do pretty well at longer runs. I’m too stubborn to stop. Before this season, I’ve ran two Austin Half-Marathons, one full marathon, and a fair number of < 10k events, plus the training for those events. I haven’t ran with any true purpose. I know I should exercise, but running, in and of itself, isn’t great for weight loss or strength building.
La Casa de Kraft is again expanding! Vanessa is pregnant!
This is now our fourth time to the rodeo and couldn’t be more excited. As mentioned the last time we announced a kiddo, we weren’t trying, but we had both said we thought we were ready for another.
Vanessa went to the to the OB to get the kiddo’s first picture and called me on the way home. She told me what the doctor told her. I laughed because I wasn’t sure what else to do. I waited for her to tell me she was kidding. [Read more…] about A New Roller Coaster