 Is there a way I can fight hospital bills? And will not paying my hospital bills affect my credit? |
| I have BlueCross Blueshield as a Health provider and i had a baby recently in a hospital that is in the network of my health provider but the doctor that performed anethsia on me and my newborns ... |
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 Can't find my Birth certificate? |
I need it to collect some money so how can I get a new one?
And does it cost anything?
And will it take long will it take to get it or is it a case of walking in and walking out with it?
... |
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 What's the reason for life insurance? Should a single person who is not married buy it? |
| What is the real reason for life insurance? if you are single should you buy it? What is it used for? Does it have a purpose in people's lives?Why do you have to pay for it each month for? Can ... |
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 Why you would be better off buying a 20 year term life insurance policy at age 25......? |
| Why you would be better off buying a 20 year term life insurance policy at age 25 rather that buying a one-year renewable policy?... |
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 Why do people who's unisured homes were damaged in the floods think they have the right to the same help as... |
those with insurance?
Isn't the whole point of home insurance to help you in incidents like these?
Additional Details
(I'm talking about the recent floods that hit ... |
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 A dumptruck kicked up a rock and cracked my windshield. Can they be held responsible to pay for the repair? |
| I have the license number, and day and time of where it happened. it's the second time in 3 months this has happened and I don't think it's fair I should have to keep paying for this.... |
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 Should I get private term life insurance? |
I'm 39 and have life insurance through my employer. I could probably obtain private life insurance for the same rate.
Is it wise to get non-employer term life insurance now (before ... |
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 If you think you have cancer but have not been diagnosed, is it possible to get life insurance without an exam |
| Call me stupid, but I would really like to have life insurance before I embark on the cancer journey - just in case things don't go my way. If I obtained one of the no exam, online policies ... |
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 What do you guys think about accident and cancer insurance? |
At $1104 a year, do you think it's worth to have accident and cancer insurance?
Insurance saying: Don't risk a lot for a little.
Additional Details
My husband and I have ... |
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 What insurance company has cheap rates for adding 16 yr old? |
I'm asking for my mom...
She got a quote from Nationwide & it was $190 every month. That is who she has now. Then Progressive quoted her $289/month.
Gosh, it is expensive!... |
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| Is there any other way to receive the prize that I won without any payments of shipping.If not then I didn't win. Becasuse I don't have the money to cover the issurance and shipping price.... |
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 Cashing in a my life insurance policy? |
| I have an insurance policy that has been paid in full that was bought for me by my grandparents when I was a kid. I was wondering what the pros and cons of cashing it out to pay off all of my debt ... |
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| we make 100k a year.but even this is not enough for her medical expenses. Are there programs we can use if we make too much money but can't afford her medical care without insurance.... |
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 Which Is Better Term Life or Whole Life? |
| Im under the impression that if you get Term Life, and lets say you die at 12:01 a.m., the day that you need to renew your policy, then your screwed because the term of the policy is already over. Y... |
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 My wife is having our first baby, I have a question about insurance/hospital costs? |
I have Bluecross of California, this is our insurance info:
$300 deductible
25% co-insurance
$2,500 out of pocket maximum (stop loss)
So if my wife has a hypothetical ... |
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Michelle | How can I have a baby if I can't afford the $20,000 to pay for the pregnancy? |
My husband and I want to have our second baby.
I had insurance with the first, but I no longer work for the company that provided my health care. We have no health insurance now. Last night we decided we want to have another baby. We are both excited. This morning, I started doing a little research to see how much it would cost to have the baby.
From what I can see, it will be about $20,000. And since I have no insurance, I will be expected to pay all expenses up front. What can I do? I don't know if I can qualify for Medicaid. There are only a few doctors in my town, 3 that are private insurance doctors, and the rest are Medicaid doctors.
Should I just not have a baby? I didn't realize health care was so outrageous! Someone give me some tips on how to do this intelligently! Thanks!
Additional Details
I really don't care whether you think taxes are high enough as they are. I pay taxes, too! I am a citizen, and I have lived in the states my whole life! Why should I put off having my family, just because medical expenses are so high?
I would appreciate people not being ugly with this obviously delicate subject. Some people make more money than others. Just because I didn't marry a doctor, or a pilot or an astronaut, doesn't mean I don't have the right to have children if I want them.
I am not some unmarried woman with 6 children from 6 different fathers living off the government. I am wanting to plan my family, and I am doing my best to do so. |
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Insurance Made Easy.biz
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Wow, why do some people even bother to answer questions?
$20,000 is not a realistic number. It is more like $5,000 for a vaginal birth. I am not really sure about C section.
If you visit the hospital in advance they will give you a lower price as long as you make monthly payments leading up to the birth. I had a client do this in Virginia Beach and the hospital charge was reduced from $5,000 to $3,500. This can vary greatly depending on where you live.
You can also use a midwife instead of a hospital.
http://iml.jou.ufl.edu/projects/Spring2000/Vanwagner/health.htm
The Maternity Card offered by AHCO is a discount card. It cost about $300 and they guarantee if you don't save at least $300 they will give you your money back and $100.
http://client.ahcoagent.com/22328/maternity/
If you do end up with large medical bills you can use a medical claim review and settlement organization. If you visit MyMedicalcontrol.com they will try and negotiate a lower price for you. If they succeed you will pay them 30% of what they saved you, if they are not able to get you a better price you are not charged anything.
Lastly you could purchase a high deductible health plan, say $5,000. Even though you would be responsible for the first $5,000 of medical bills. These bills would still be negotiated by the insurance company and this would save you thousands vs. not having insurance. If you couple this with a Health Savings Account the money you spend on medical care would be tax free and could be written off your income tax just like an IRA contribution. This type of plan would cost a 31 year old female roughly $98 per month. You have to make sure your health plan has maternity or the hospital won't discount the cost of services. Depending on the insurance company you must have the policy in effect 90 days up to 9 months prior to conception for the pregnancy to be covered
Insurance would be the best thing you could do, if there were serious complications it could bankrupt your family.
Good Luck, and if you need more info feel free to contact me |
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Innowen
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The smartest thing to do is not get pregnant. You have weigh your desires against the reality of the situation. Just because you want a baby, it doesn't mean that you should have one, especially if you can't afford it. Why should our tax dollars pay for your kid? There are already so many kids who have nothing. Don't make another one. To do so would be selfish. |
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65% water
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Responsible people don't do things they can't afford to do, no matter how much they want to.
On the other hand, one of the people who answered makes an intriguing point, which is why it should cost much at all to have a baby. While it's true that women have babies in parking lots and rice paddies, if anything went wrong and you needed emergency care you couldn't afford it.
The answer to your question is that you can have a baby when you can't afford it if you're willing to ruin your credit and go into debt, or you can decide to not have the baby. |
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malty21
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Apply for Gov aid. If your income is low enough it will not cost you a dime. On the other hand please stop doing this... my taxes are high enough as it is. Thanks. |
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src50
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You should both obtain insurance regardless of whether you want to have another baby. Go to an independent agent and get some quotes for individual policies. No, it is not cheap, but neither are "full retail" medical bills. |
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*~*~DANI BEAR~*~*
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You should not have the baby until either of you two are able to support it medically.
Taxes are high enough as it is.
You could apply for state aid, but I do not suggest this as it will only raise my and everyone elses taxes, but cut you a break, also they will probably tell you to get a job, unless of course you're disabled and can't get a job, in which case you should allready have medicare or medicaid, and should not be having children (assuming you're disabled)
So its best to wait until you have a job! |
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sarah314
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mbrcatz gave you good suggestions about birthing centers.
If you want a hospital birth, I'd suggest that you contact that specific hospital and discuss negotiating a cash price. Many hospitals have a standard discount for patients who are self-paying. I work for a large hospital system, and we have a department that makes financial arrangements with self-paying individuals. You may be surprised to see that the cash price would be less than the $20,000 you have in mind. (I've had 2 c-sections, and the total medical bills were under $20K each time. Vaginal births are significantly cheaper than c-sections.)
Of course, even with a discount, you're still going to have to pay *something*. (Unless you qualify for Medicaid or obtain health insurance in advance that will cover your pregnancy/birth.) But, as I'm sure you know, that's part of the reality of being a parent...advance planning, making financial sacrifices, etc. |
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There -Take that (Still Annoyed)
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Raising the baby will cost even more. You should know that since you already have a child. Just wait until later. Personally, I wouldn't opt to have a baby right now while times are so hard and money is tight. |
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wandalk78
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I think it great that you wish to expand your family. I would personally wait until your husband can add you to his insurance or you could get your own. I would not rely on Medicaid because you are married, it is unlikey you would qualify unfortunately.
Good luck and best wishes to you and your family. |
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mbrcatz
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Women have been having babies for thousands of years without paying for them. Pregnancy costs NOTHING. Childbirth can cost nothing. Heck, every year you hear of babies born in McDonald's parking lot on the way to the hospital. Not that I'm recommending that.
Prenatal care costs a little. If you do a homebirth, with a midwife, all your prenatal care and the birth usually cost LESS than 2,000. A birthing center birth with midwife usually costs LESS than $4,000.
MOST women in the world, do NOT have hospital births, and do NOT pay $20,000. AND, for the record, there are 26 countries in the world where it is SAFER to have a baby than the US - most of which do NOT have hospital births as the preferred way to deliver.
The hospital where I just gave birth, is $7,000 for both mom and baby, two nights in the hospital after birth.
So I have NO idea where you plan on doing it, but I don't know anywhere where it's that much!!
Healthcare is outrageous, because people want to spend $20,000 to have a baby!! Figure, that's more than $2,000 a month!! |
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Richie Rich
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Go ahead and try for medicaid and see if you would qualify. In TX, so long as you make less than 32k for 2 (don't know what it would be for 3) and limited assets, you would qualify.
Several years ago when my wife and I had our first, we tried. Made about 600 too much.
Hospital visits can be expensive. Ours without insurance would have ran close to, if not over, 30k. There were a few complications (cord wrapped around her neck, week stay, etc) though.
You could also talk to the hospital about a payment plan and reduced costs. Part of the reason for the higher prices to the public is because so many people skimp out of not paying or the insurance company keeps them in check on the price for those that have coverage.
I wish you luck.
Taxes be damned. Your paying for the services, might as well use them. |
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patsworth
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If you're definately set on having another child, I'd recommend finding some way of getting some health insurance. It may only cost about $20k for a healthy birth, but there is always the possibilty of complications. I gave birth to my son at 29 weeks. Then I stayed in the hospital for about a week, and my son for 7 weeks. Altogether, we estimated our insurance paid $500,000 - 750,000 or more. I wouldn't wish this on anyone, but you always have to be prepared in case things don't go as planned. |
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AnnaBelle
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I'm so impressed that you are planning ahead. My husband said the cost to raise a child is now about $200,000. (yikes!) So the cost of the hospitalization is added to that, and, the $20k is if you don't have complications, right?
I like your idea of trying to find private insurance, or Medicaid (which you're probably right - you probably can't get)
You will need health insurance for the family, anyway, once the baby is born. Can you imagine being uninsured for your husband or you or the baby, then 100% of your savings goes to a medical emergency? So you might as well begin shopping now.
Some states offer health insurance plans for self-employed families such as yourselves, and for people who can't get it from their jobs.
If you're set on having the baby without insurance, check into a doula or a home birth with a different type of medical professional than a full fledged hospital compliment. It is risky if there is a complication, but there is always 911, for emergencies, and most home births are decided upon because the mother is in good health and the baby doesn't have any worry signs.
And please don't scrimp on pre-natal care and those doctor visits :)
Good luck! |
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idrifted82
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DO you qualify for medicaid? Many pregnant women do. Check into that, and good luck ttc! |
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Irreplaceable
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ASI Health Insurance, this is the best affordable health insurance out they provide to individuals, families and buisnesses. ASI gives you better coverage than most and for a far better price, I myself work for the company and they are BBB approved.
1-800-929-8344
PAL Refferal code: 261635
Use the refferal code when you call and the customer service associate will assist you with all the diffrent plans and cost. |
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