We are really excited to announce that we are pregnant! Our first baby is due March 2020! There will be plenty of changes and new adventures ahead of us, which we can't wait to start.
But there will also be a change in our financial planning and spending. One thing we will be doing during the pregnancy is tracking how much it costs.
Now, it should be caveated that everyone's pregnancy is different - leading to different costs. And everyone's health insurance coverage is different - also leading to different costs.
But here is the insurance we are working with:
- Blue Cross Blue Shield PPO
- Monthly Premiums: $194
- Deductible: $500 (already met)
- Maximum Out of Pocket Costs: $2,200
Pregnancy requires a lot of doctor visits, labs, and other testing. So there is plenty to pay for. I'll be doing this update regularly to track the costs. But it's also important to note that the deductible, premiums, and maximum out of pocket costs are all going to reset and likely change in January 2020. So this means my costs will likely increase come January.
But here is what we have so far:
- Appointment 1: $30 co-pay
- Labs: $50
- Appointment 2: $151.49
I was notified that doctor fees for the pregnancy will be billed on a global basis, meaning all doctor fees associated with the pregnancy will be grouped together. The total charge for the doctor fees for the pregnancy will be $757.49. (This could increase in January 2020.) So I will make five payments of $151.49 to pay for the doctor costs. (This does NOT include the hospital/facility fees for the actual birth.)
- Ultrasound 1: $30
- Appointment 3: $151.49
Total to date: $412.98
My prenatal vitamins are a generic and cost $0.
So far, so good! More to come friends!