johnf Posted December 23, 2004 Report Share Posted December 23, 2004 My wife has been pretty sick lately, in fact she has lost about 20 lbs. in the passed 3 months. She took one of those at home test and the bar was blue. Yup, we're gonna have another kid. Very unplanned. In fact It was so unplanned that we dropped our maturnaty portion of our health insurance. We weren't planning on having any more kids, and were taking the necisary precations, so we thought. She call the OBGYN today and just the doctors visits befor the birth is going to cost us roughly $3200. That's not including the birth or any hospital stays. I was planning on getting a 4 wheeler this spring. Guess not. Quote Link to comment Share on other sites More sharing options...
NY911Bowhunter Posted December 23, 2004 Report Share Posted December 23, 2004 Re: There goes my 4 wheeler. Bummer is a way. Awesoem in a much better way. I would really look into getting the proper coverage. The birth is a trmendous pricetag! Quote Link to comment Share on other sites More sharing options...
NS whitetail Posted December 23, 2004 Report Share Posted December 23, 2004 Re: There goes my 4 wheeler. congrats if you lived here in Canada, it would all be free that is one good thing we have here Quote Link to comment Share on other sites More sharing options...
JimT Posted December 23, 2004 Report Share Posted December 23, 2004 Re: There goes my 4 wheeler. Congrats on the baby either way. I made sure no more kids for me. Got the big V while my wife was pregnant with number two. I would reccomend having it done,,,lol. Quote Link to comment Share on other sites More sharing options...
johnf Posted December 23, 2004 Author Report Share Posted December 23, 2004 Re: There goes my 4 wheeler. I think it's too late to change coverage. Though she hasn't been to the OBGYN yet and hasn't officailly been diagnosed. I wander if we can. Quote Link to comment Share on other sites More sharing options...
johnf Posted December 23, 2004 Author Report Share Posted December 23, 2004 Re: There goes my 4 wheeler. [ QUOTE ] Congrats on the baby either way. I made sure no more kids for me. Got the big V while my wife was pregnant with number two. I would reccomend having it done,,,lol. [/ QUOTE ] I've been thinking about that. Quote Link to comment Share on other sites More sharing options...
NY911Bowhunter Posted December 23, 2004 Report Share Posted December 23, 2004 Re: There goes my 4 wheeler. [ QUOTE ] if you lived here in Canada, it would all be free that is one good thing we have here [/ QUOTE ] Same thing here in NY - unless you have a job and arn't addicted to crack! Quote Link to comment Share on other sites More sharing options...
billygoat Posted December 23, 2004 Report Share Posted December 23, 2004 Re: There goes my 4 wheeler. John... Congrats! I think?, no really, congratulations... as far as healthcare coverage... boy that is a sticky one, it might be tough to find a carrier that will pick you up... check with your current carrier, also check with the school, they might be able to find some type of coverage... if nothing else you can call your county services (but typically they don't like to "deal" with anyone who... works, pays their bills, and are productive members of society)[sarcastic]... no... hopefully if nothing else, county or state services would be able to provide some type of assistance. Best of luck and congratulations again. Quote Link to comment Share on other sites More sharing options...
dogdoc Posted December 23, 2004 Report Share Posted December 23, 2004 Re: There goes my 4 wheeler. if you want my father-in-laws name let me know---he gives great deals if you have it done at my vet clinic. congrats on the pregnancy. when we had our first daughter 4 years ago total cost was about 10G good luck todd Quote Link to comment Share on other sites More sharing options...
NS whitetail Posted December 23, 2004 Report Share Posted December 23, 2004 Re: There goes my 4 wheeler. [ QUOTE ] when we had our first daughter 4 years ago total cost was about 10G [/ QUOTE ] we had a baby back in Sept. and total cost was $ 0 health care is free but we are taxed to death so they still get us in around about way Quote Link to comment Share on other sites More sharing options...
Shaun_300 Posted December 23, 2004 Report Share Posted December 23, 2004 Re: There goes my 4 wheeler. wow, that is crazy how much it costs to have a child down there!!! MAN!!! ya here in canada health care is free. ya pay for it with the 15% sales tax but i think its well worth it! Quote Link to comment Share on other sites More sharing options...
NY911Bowhunter Posted December 23, 2004 Report Share Posted December 23, 2004 Re: There goes my 4 wheeler. 2002 - one bouncing baby boy - healthy delivery - no problems - 3 day hospital visit - 20,000 bucks! NO bill came thanks to insurance! Thank God! Quote Link to comment Share on other sites More sharing options...
Shaun_300 Posted December 23, 2004 Report Share Posted December 23, 2004 Re: There goes my 4 wheeler. wow, i cannot believe how much you guys are payin for that!! ya thank god for insurance eh?? how much is insurance for that down there?? Quote Link to comment Share on other sites More sharing options...
NY911Bowhunter Posted December 23, 2004 Report Share Posted December 23, 2004 Re: There goes my 4 wheeler. for the family plan - i have 79 bucks biweekly taken out of my checks Quote Link to comment Share on other sites More sharing options...
Shaun_300 Posted December 23, 2004 Report Share Posted December 23, 2004 Re: There goes my 4 wheeler. wow that's enough $$ !! but i guess u'd regret it if u didnt have it!! Quote Link to comment Share on other sites More sharing options...
Swamphunter Posted December 23, 2004 Report Share Posted December 23, 2004 Re: There goes my 4 wheeler. Congrats! Quote Link to comment Share on other sites More sharing options...
MUDRUNNER Posted December 23, 2004 Report Share Posted December 23, 2004 Re: There goes my 4 wheeler. CONGRATS ON THE BABY!JUST ANOTHER KID TO LOVE!(AND TAKE HUNTING!)I KNOW WHAT YOU MEAN ABOUT THE 4 WHEELER.EVERY TIME I'M CLOSE TO GETTING ONE SOMETHING COMES UP. Quote Link to comment Share on other sites More sharing options...
johnf Posted December 23, 2004 Author Report Share Posted December 23, 2004 Re: There goes my 4 wheeler. [ QUOTE ] title 19 is a fedral program regardless of how much you make the state has to provide care for mother and child [/ QUOTE ] What is title 19 & what state are you in? I make too much money for any state assistance here. I would have to have 9 kids to qualify for food stamps. That's usually a good thing Quote Link to comment Share on other sites More sharing options...
Jeramie Posted December 23, 2004 Report Share Posted December 23, 2004 Re: There goes my 4 wheeler. [ QUOTE ] I would really look into getting the proper coverage. The birth is a trmendous pricetag! [/ QUOTE ] It depends on the conditions of the birth. We have been looking into a good way to have a baby for quite some time now. Nothing, until recently, has been promising. Insurance was sky high. We finally looked into paying cash for everything. We will get out for about $6,500 if payed out before the baby comes. If you figure your insurance for roughly 21 months (at $100 a week) you're paying in $8,400. Thats realistic if you wait the year before you get pregnant (as you're suppose to). Now that she is pregnant I'm pretty sure she doesn't qualify for maternity. On top of that you still have co-pays and such and they can easily add up to over $2,000. You're now paying out over $10,000. The major reason for insurance is the "What if" factor. We found an insurace that is $75 a month for major medical. It will even cover Cesarean if it is mandatory. The total cost of a 1-year span, $900. Add that with the $6,500, and you total $7,400. The major medical is suppose to cover everything, including the baby for the first two weeks to a month, I really cant remember. If there is anything wrong with the child they will pay for it. Thats the route we've taken. We are currently trying to get pregnant. I just hope we have all of our ducks in a row. Quote Link to comment Share on other sites More sharing options...
johnf Posted December 23, 2004 Author Report Share Posted December 23, 2004 Re: There goes my 4 wheeler. Our daughter, who is now 8, was born 8 weeks early wieghed just over 3lbs and spent a month in the hospital cost us all of $17 including copays. Our insurance at the time was only $179 a month including maturnaty. The total bill befor insurance was around $20K. The same insurance now is $650 a month. We dropped it and got a major medical for $260. I guess even with the price of the birth, we will still be better off in the long run. We'll aslo be able to get another tax deduction for the baby and for the medical cost. Quote Link to comment Share on other sites More sharing options...
Texan_Til_I_Die Posted December 23, 2004 Report Share Posted December 23, 2004 Re: There goes my 4 wheeler. OK Canadians, let me think about this for a minute. I get free health care if I live there but I pay a 15% sales tax. If I buy $15,000 worth of taxable items per year that comes out to $2250 per year. Times the number of years I live there and pay taxes, say about 50, that comes out to $112,500 total that I'm paying for health care. Whether I use it or not!!! No thanks. Quote Link to comment Share on other sites More sharing options...
billygoat Posted December 23, 2004 Report Share Posted December 23, 2004 Re: There goes my 4 wheeler. John, Check w/ your school... see if they offer a flexible benefit plan, least wise you could take the money pre-tax... that would be an additional 20-30%... Also, won't the major medical cover the birth... and the child once born... any hospital admission is generally included in "major medical" plans. Quote Link to comment Share on other sites More sharing options...
NS whitetail Posted December 24, 2004 Report Share Posted December 24, 2004 Re: There goes my 4 wheeler. rember this Texan Til I Die [ QUOTE ] health care is free but we are taxed to death so they still get us in around about way [/ QUOTE ] if you knew what I usually pay in income tax alone each year, not counting sales tax, you would probably faint Quote Link to comment Share on other sites More sharing options...
archerjg Posted December 24, 2004 Report Share Posted December 24, 2004 Re: There goes my 4 wheeler. Congratulations on your new child on the way. Archerjg Quote Link to comment Share on other sites More sharing options...
wtnhunt Posted December 24, 2004 Report Share Posted December 24, 2004 Re: There goes my 4 wheeler. No doubt pregnancies are expensive even with insurance. Our coverages when my wife was pregnant with both our daughters was decent at best. Think with insurance on our youngest daughter, now 3 years old, cost us if I remember right around $2000 all total out of our pocket. Would check to see if you could possibly still get coverage again, would not hurt to ask. Anyhoo Congratulations. Quote Link to comment Share on other sites More sharing options...
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