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Natural Birth & Parenting Natural Birth & Parenting

stupid question.....

Posted by on Jan. 8, 2013 at 11:53 AM
  • 23 Replies

I'm trying to figure out what my insurance will pay, this is what it said for midwifery care: (so do they pay 20% or do I pay 20%?

Provider Network Preferred Provider
Amount or percentage you pay for this service ("copay")
    20% Per Visit, after deductible is met. Copayment maximum applies.
Does your payment count toward satisfying your deductible?
    Yes
    Applies to Preferred Provider deductible.

juliakf333. Get yours at bighugelabs.com
by on Jan. 8, 2013 at 11:53 AM
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Replies (1-10):
Proud2BWeird
by on Jan. 8, 2013 at 11:54 AM
You pay 20% of what they approve after you've satisfied your deductible. They never guarantee they'll pay for anything, though.
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BlessedToBeMe
by on Jan. 8, 2013 at 11:55 AM

from how I'm reading it, you would pay 20% after you'v met your deductible

jellyphish
by Platinum Member on Jan. 8, 2013 at 11:59 AM
So if the bill is $2000 and your deductible is $500, you pay $500 + 20% of what's left- $1500. So your total bill would be $800.
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Precious333
by Gold Member on Jan. 8, 2013 at 11:59 AM

ok, thanks, that makes me feel better, how will I know if they will pay it or not?

jellyphish
by Platinum Member on Jan. 8, 2013 at 12:00 PM
This is also for in-network care only.

Actually it looks like this is preferred provider only which can be very limiting.
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Precious333
by Gold Member on Jan. 8, 2013 at 12:01 PM


Quoting jellyphish:

So if the bill is $2000 and your deductible is $500, you pay $500 + 20% of what's left- $1500. So your total bill would be $800.

ok so if my midwife charges me 4,000, than I will pay 1200? (I never was great at math! lol)

juliakf333. Get yours at bighugelabs.com
jellyphish
by Platinum Member on Jan. 8, 2013 at 12:02 PM
I would call them and ask for the info of preferred provider, and to ask the difference between in-network and preferred provider.

Quoting Precious333:

ok, thanks, that makes me feel better, how will I know if they will pay it or not?

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Precious333
by Gold Member on Jan. 8, 2013 at 12:02 PM


Quoting jellyphish:

This is also for in-network care only.

Actually it looks like this is preferred provider only which can be very limiting.


so, the midwife as to be in the network, how do I foundout if they ar in the network? Does that mean they won't cover out of network midwives?

juliakf333. Get yours at bighugelabs.com
jellyphish
by Platinum Member on Jan. 8, 2013 at 12:03 PM
What's your deductible? (I love math!)

Quoting Precious333:



Quoting jellyphish:

So if the bill is $2000 and your deductible is $500, you pay $500 + 20% of what's left- $1500. So your total bill would be $800.

ok so if my midwife charges me 4,000, than I will pay 1200? (I never was great at math! lol)

Posted on CafeMom Mobile
Precious333
by Gold Member on Jan. 8, 2013 at 12:03 PM


Quoting jellyphish:

I would call them and ask for the info of preferred provider, and to ask the difference between in-network and preferred provider.

Quoting Precious333:

ok, thanks, that makes me feel better, how will I know if they will pay it or not?

ok, sigh, thanks.

juliakf333. Get yours at bighugelabs.com
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