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Old 05-31-2012, 07:06 AM   #11
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MelandMack
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Re: quick q. re prem baby and insurance co-pays

With my insurance if the baby is discharged at the same time as you....both of you are considered one patient and would only have a $4000 deductible. Though if the baby stays after you leave they become a new patient and you would now go to the family deductible amount of $8000.

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Old 05-31-2012, 11:01 AM   #12
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Re: quick q. re prem baby and insurance co-pays

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Originally Posted by MelandMack View Post
With my insurance if the baby is discharged at the same time as you....both of you are considered one patient and would only have a $4000 deductible. Though if the baby stays after you leave they become a new patient and you would now go to the family deductible amount of $8000.
thanks, I think this is a good way to ask the insurance company. I havent called yet as i'm stuck on my contraction monitoring machine (I keep failing!)
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Old 05-31-2012, 11:08 AM   #13
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Re: quick q. re prem baby and insurance co-pays

With our youngest we had co-pays only so my $300 co-pay covered both of us. So his $60,000 bill to us was only the $300 co-pay. If we were to have him with our insurance now it would be a whole different story. We have $3,000 person deductible with $7,500 total oop. So he would have cost us the $6,000 because he became his own person after I was released.
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