How do OB's charge for care?

Avatar for raskin00
iVillage Member
Registered: 05-08-2003
How do OB's charge for care?
8
Tue, 06-16-2009 - 10:32pm

Do OB's generally charge one flat fee for the whole thing - office visits, delivery (not including tests like u/s)?


I had the same OB for all my kids, but have since moved to another state and would have to find a new OB. This is how my old OB did it but I was wondering if others charge per office visit. It makes a difference because if it's the former only one copay would apply, and if it's the latter, there would be a copay every time.


Beckie


mom of 5 cuties

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iVillage Member
Registered: 07-09-2005
Wed, 06-17-2009 - 11:47am
I don't know how all of them do it, but I paid one co-pay at the beginning of my pregnancies and that covered all the other visits.

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iVillage Member
Registered: 07-26-1997
Wed, 06-17-2009 - 11:53am
I don't remember that far back. Our son is 20 now.

 

iVillage Member
Registered: 01-02-2008
Wed, 06-17-2009 - 12:05pm

It really should depend on your insurance. I had a one copay for everything (including all ultrasounds/lab work & as well as my visits to a perinatologist which were unexpected). I paid that & never paid another cent for any of the care.

With my insurance there is also a separate copay for labor & delivery but it includes everything no matter what type of delivery you have or interventions you need.

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iVillage Member
Registered: 04-05-2006
Wed, 06-17-2009 - 3:21pm
I just had my fourth baby a few weeks ago, and all my OBs charge a global fee (one huge fee) to the insurance company. The only time my OB charged a per-visit fee was when I delivered at another hospital with another OB (had to use an ambulance - emergency delivery), so my OB just charged my insurance a per-visit fee. But other than that, I think it's standard to charge one global fee. HTH!
Melissa
iVillage Member
Registered: 10-23-2002
Wed, 06-17-2009 - 3:39pm
iv'e had different obs for both kids *different states* they both charged one fee although i have more out of pocket with alex.. with lily i just paid the one 30 dollar copay... labs and u/s are of course different




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iVillage Member
Registered: 04-03-2003
Mon, 06-22-2009 - 10:41am

Lo these many years ago, my ob had a total cost for the whole thing (all the basic appointments and tests and such), the insurance coverage was subtracted, and what was left got divided up into monthly payments so that once DS was born, we owned him free and clear (lol). I think there were several options of how to handle payments and extraordinary situations would obviously require adjustments - but DS was a c/s and that didn't change anything (except the hospital related costs, not the ob charges).

--Deb R

Avatar for momtb4
iVillage Member
Registered: 03-27-2003
Tue, 06-23-2009 - 11:41am

if I'm understanding what they've been trying to cram in head, insurance pays out based on your diagnosis, regardless of the actual cost. So, your diagnosis is pregnancy, and the insurance pays $X and that is all, regardless of what it actually costs to treat you. It's part of the HIPAA stuff, I think. Then, you can expect to pay 1 co-pay for your 1 diagnosis and be done. But, if your insurance allows the doc to change your diagnosis, you might pay a new co-pay, like at delivery.

Best just to ask the insurance and doc.

Congratulations on your new expectation!

iVillage Member
Registered: 05-20-2003
Thu, 06-25-2009 - 2:07am

I'm a medical biller and coder and used to work at a midwifes office.

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