Coach wristlet (affiliate link) |
With any medical care-related expense in the US that's billed through health insurance, it's not necessarily that meaningful to hear about anyone else's experience. So much depends on the vagaries of one's own health plan, something I personally find nearly impossible to decipher or predict before my bills after insurance actually come in. (That's as someone who litigates multi-million dollar commercial contract disputes at my day job, no less!)
Nonetheless, I always like to read about how much things cost, including American healthcare. I was originally hoping to do a post like this earlier in pregnancy, potentially one for each trimester. As it turns out, the billing department at my OB-GYN's office can be quite slow, so it was only recently that what I think(?) is the last bill from before the end of my second trimester - nearly 7 weeks ago - was finally processed with my insurer.
This kind of timing isn't necessarily a huge shock in the American system, either. For instance, it was only this June that I finally saw a record pop up with my insurer for a PCR COVID test I took last December, during the start of NYC's Omicron surge. (That length of delayed billing is pretty unusual though, in my experience. There wasn't actually a bill to me involved either, because COVID testing in NYC was generally still free to the patient with government support back in December 2021.)
For my prenatal care throughout the first two trimesters, through 26 weeks of pregnancy, the amounts I paid out of pocket for expenses that were - or could have been - put through insurance was: $1,827.68.
Unfortunately, I think this solidly establishes my health plan as being "not very good," in terms of the extent and quality of my coverage. Which is something I did already know beforehand. Many biglaw firms are known for offering associates extremely expensive health insurance plans, sometimes with poor coverage. My health insurance premiums aren't as bad, but the co-pays and other terms keep getting slightly worse by the year. For one random data point of comparison, a YouTube vlogger I follow who also lives in NYC only paid around $366.00 out of pocket on her insurance for prenatal care through roughly the same point in her pregnancy.