My wife just recently gave birth to our baby daughter. We've now been waiting with bated breath the fallout from the hospital costs and what insurance doesn't feel like covering. So far I've been able to "monitor" what has been billed to insurance and have a feel for what we're about to get stuck with.
When she gave birth to our son, we were in Seattle. We had Cigna POS (Point of Service) through my wife's employer. The Seattle hospital billed insurance approximately $24,000.
What did we pay?
Wait for it...
Wait for it...
$200.
That's it. That's all. That was the cost of the admission to the hospital and Cigna picked up the rest of the tab. For once it seemed like we were the winners in the "insurance co. versus the little guy" fight. Or at least it felt that way (I feel/felt fortunate and very lucky).
With my daughter? Well. Circumstances changed. Fast forward two years, we're on my company's insurance. Anthem BlueCross. Basically an "ok" HMO. And live in Boise, Idaho. As I have been watching the progress on their website, our out of pocket expense, so far, is about $864. On a tab that may get to a little under $10,000.
There is a possibility that it could get into the thousand dollar level, but that is not guaranteed.
Anyone else experience something like this? All I know is we did not fully take advantage of our previous situation.
I'm just glad that we haven't had any "tough" problems regarding insurance.
Yet.