Reply to $1000 for an ultrasound?? Is this normal?

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Reply to "$1000 for an ultrasound?? Is this normal?"

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[quote=Anonymous][quote=Anonymous]You always have to fulfill the deductible. Ultrasounds  aren’t covered. A lot of people have government insurance and it’s really good so they are out of touch. A friend only paid $100 for prenatal care. We paid 15k but that’s including the monthly premiums and dh works for a big pharmaceutical company. [/quote]

Honestly, it depends on the plan what is covered.

Paying 15K seems really unusual for someone with good private insurance. What’s your deductible and OOP max? What kind of plan was this with what coverage level? What do you pay per month?

We had an 80/20 PPO plan with my first and I think we paid less than 5K total for that pregnancy, then we switched to my husband’s amazing PPO with BCBS (not government) and I don’t think we paid anything for that pregnancy and birth after we hit our family deductible which was very low, like a few hundred dollars. Our coverage is extremely, extremely good, but we also pay a lot per month for it we intentionally chose the best plan even though it was the most expensive option by far.

Obviously YMMV but in our experience it’s been well worth the extra money per month in premiums for a better health insurance plan. When we have gone with cheaper plans when we were younger (HMOs, higher deductible plans, or less coverage eg 70/30) we always ended up paying a lot more out of pocket and we eventually figured out that the cheaper plans actually cost us way more in OOP spending over the course of a year.

Obviously everyone’s budget and options limit your choices but I do think sometimes people don’t realize that choosing a cheaper plan with less coverage only saves you money if you never go to the doctor, and that you’re taking a gamble with it. I have a good friend who makes 3x my salary alone but always chooses the cheap health care plan for her family and then complains how much stuff costs, and I don’t think she ever realized that paying more in premiums with a better plan can actually save you hundreds or thousands every year, especially if you have to go to the ER, have a family member who sees specialists or has a chronic condition, etc.

Which insurer you go with can also make a huge difference. I will always choose a BCBS over UHC, Aetna, etc. for the better customer service and billing alone.

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