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Health Insurance and a C-Section Delivery

Posted Feb 13 2009 5:22pm
Health insurance is a luxury for some. A benefit that while nice to have isn't used all that often but is good to have in emergency situations. Health insurance becomes a necessity when you have a chronic illness, a horrible accident or you need to give birth. Since home birth isn't my thing, I must go to the hospital, which is like the most expensive hotel ever.

Here are some examples:

Prenatal Visit:
Without insurance I would have to pay: $5.00
Insurance paid (rest written off): $2.72

C-Section Doctor:
Without insurance I would have to pay: $1,000.00
Insurance paid (rest written off): $450.00

Hospital Room and Board for 3 days (for newborn):
Without insurance I would have to pay: $8,428.00
Insurance paid (rest written off): $2,940.00

Hospital Room and Board for 3 days (for me):
Without insurance I would have to pay: $22,724.00
Insurance paid (rest written off): $7,405.00

I could handle paying for the prenatal visit. I could even pay the c-section doctor if I could have an installment program. What really hurts is the amount they charge for the room for me and the baby. And what annoys me to no end is that while the insurance company only had to pony up $10,345.00 for the two of us, if I was without insurance, I would have been expected to pay $31,152.00.

How could I afford a $31,152.00 room and board bill plus the doctor bill, surgery bill and anesthesiologist bill if I couldn't even afford insurance? And why does the insurance company that is already getting money from me only have to pay a third of what I would have to pay?
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