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NICHD studies many aspects of labor and delivery: their basic biology, childbirth practices, and management of related problems. Take notes on the following: And try to stay within it. “Although your monthly insurance premiums may be higher, you’ll hit your deductible more quickly—because delivery is a major health-care event—saving you more money in the long run once your insurer takes over paying for services and health-care expenses,” Fitzgerald explains. (Also, people with high deductible plans tend to struggle more with affording care.) “When people get to the hospital, they forget about all that stuff, so it’s important to do it in advance. Anything after the deductible … Check with your insurer, or the IRS website, to see what counts as a qualified expense.”. “Find out what your plan’s definition of maternity and childbirth is,” says Michelle Katz, LPN, MSN, health-care consumer advocate and author of Healthcare Made Easy. A call to your health insurance provider can help make sure the place you’re having your baby is in your plan’s network. “You can be charged for anything from tissue boxes to stirrups,” Katz says. For an individual plan, that cap is $7,350, and for a family plan it’s $14,700. These aren’t the same fee: “One covers your provider and one covers the costs for birth associated with your nursing care and use of supplies at the hospital.” Don’t be shy about checking with the hospital billing office if you’re uncertain what each item refers to. High-Deductible Health Plans, 2005–2013, p. 2 Labor-force Participation Rates of the Population Ages 55 and Older, 2013, p. 9 A T A G L A N C E Characteristics of the Population With Consumer-Driven and High-Deductible Health Plans, 2005–2013, by … My employer contributes $1,500 in an HSA for the high deductible plan. Keep a list and give it to your spouse or a family member so they know what to do once you go into labor,” Gundling says. And before you shell out for the test, make sure it’s absolutely necessary. The Aetna High Deductible Health Plan (HDHP) with a Health Savings Account (HSA) offers you more control over how you spend your health care dollars. Download The Appto explore more tools like Planner+ and Food Safety. High-deductible plans with high coinsurance are often cheaper than low-deductible, low-coinsurance plans. Chances are, you’ll receive multiple bills, and some of the items on those bills may be vague. But try to be flexible. So next year could cost me anywhere from $6000-12,000 plus what I spend this year depending on what happens. Labor is defined as a series of rhythmic, involuntary, progressive uterine contraction that causes effacement and dilation of the uterine cervix. • Pediatric and/or routine and emergency care after baby is born, plus necessary immunizations, vaccinations and checkups in the early months and years of baby’s life. “Health-care companies have a customer service area and they put a lot of enhancements in their website, so using an app or going online can get you a lot of that information,” says Richard Gundling, Healthcare Financial Management Association’s senior vice president of financial practices. Offers interactive tool to calculate your due date. “HSAs are only available with high-deductible health insurance plans and FSAs are only available through employer health insurance, so make sure you qualify before you include either in your pregnancy plans. Learn 4 ways pharmacy can help reduce employee benefit costs Employers in the early 2000s began to embrace these plans as a way to lower their rising health … It's going to a close call: She's due the first week of January. Getting pregnant and starting a family - or expanding one - is an exciting time, but it can also raise a lot of questions. If your insurance plan or employer offers an FSA or HSA, use them to help pay for any pregnancy-related expenses. Make sure the bill isn’t an error. "Labor" and "delivery" describe the process of childbirth. If your plan’s deductible is, say, $5,000, then you’re responsible for the first $5,000 of health-care expenses before your plan’s coverage kicks in. Of labor and delivery will likely be higher than your deductible, ” Fitzgerald explains has a billing department so! Pay for any pregnancy-related expenses are, you may be required to pay more out-of-pocket in order reach... 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