first prenatal visit

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first prenatal visit

Postby lpatton143 » Tue Oct 04, 2011 4:24 pm

Hi girls,

I went for my first prenatal visit today... found out I am 9 weeks and due May 8.... two days after our anniversary! The appointment was a little overwhelming and stressful for both of us, more than I thought it would be. First of all, they found a polyp on my cervix. The nurse said it's nothing to worry about unless I have bleeding, which I don't. Then she talked to me about diet, exercise, medical history, etc. and talked about various screenings we can have done to check for birth defects.

Then the conversation turned to money and we both left stressed out. We are starting to realize how much our insurance sucks (we EACH have a $500 deductible) and how much just HAVING the baby is going to cost. Money is already really tight, and we are both just wondering how we are going to make it all work. I'm sure all expectant parents have these feelings, but I'm just aggrevated about the health insurance thing. I mean, what's the point of having health insurance anyway with these high deductibles? For healthy people like us who rarely go to the doctor, it's not even worth having it.

Ugh, I was just SOOO looking forward to this appointment, and it just left us both stressed. It was like, SMACK! Welcome to reality! And we didn't get to hear the heartbeat today which I was also disappointed about.

Well girls I'm done ranting, just a little stressed. How are things going for you all? Have you had your first prenatal appointments yet? How did they go?

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Postby ChickiePie » Thu Oct 20, 2011 5:33 pm

I am not expecting, but read these boards from time to time to feel hopeful! I am sorry about your appointment Yes, it's stressful thinking about the money side of things, but you have a little one on the way, enjoy this time and celebrate the new life!!! :yay:
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Postby QuinnTwin3 » Tue Oct 25, 2011 7:58 pm

I haven't had my first appointment yet - it's on Thursday. But I definitely know what you mean about freaking out over the costs of things. The day of my BFP I sat down and literally cried looking at our budget and comparing it to the cost of day care. But then my DH sat down with me and reminded me that people with no insurance and less money manage to make it work. I'm starting to believe him, but I'm still planning on spending the next 9 months saving and trying to pay down debt.

In case it helps, the thing that made the most difference to me was going through a line by line budget so I could see how we could make our money stretch.

Hope you have a happy and healthy 9 months!
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Postby scmeg72 » Thu Nov 03, 2011 6:56 am

While $500 seems like a high deductible its really not bad at all! Mine alone is $2500, after which EVERYTHING is paid I just had knee surgery and sure we had to pay quite a bit- bit now everything for the rest of the year is covered 100%. Its pretty awesome actually. So if you think of it that way- If you had a low or no deductible you would end up paying a lot more for your prenatal care because you would still be paying for the visit (get what I am saying?) most $500 plans cover 80% after meeting the deductible so honestly $1000+ a small portion of each prenatal visit and delivery....You are looking at under 3-4 k have a baby- thats REALLY not that bad! Delivery alone in most hospitals is anywehre from $6-15K!!!!! Most hospitals also have payment plans for surgery and maternity costs. I would def check with the hospital that you plan to use- most doctors will NOT tell you that :) Be happy! :D
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Postby Rhibhi » Fri Nov 04, 2011 1:31 am

Wow - I really can't believe how different the health system is over there! What do people with no insurance do, like where do they give birth? Are there public hospitals?

Because Australia's reproduction rate (for lack of a better term) is quite low we actually get a baby bonus of 5,000 or if you're working minimum 30hrs a week you get maternity leave which is 1000 a fortnight after tax for 18 weeks. Plus I get provisions of 14 weeks with work.

We also have a great public hospital system here so it won't cost us a cent for antenatal care and to actually have the baby.
I guess I really haven't thought about how lucky we are..
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Postby Ravyndancer » Sat Jan 07, 2012 12:16 am

I wish you the best of luck! Try not to stress and do like you said, sit down and hash out your budget. Keep track of everything you spend your money on. See where you can reduce spending. Put that money towards paying down your debt. :)

Like the girl from Australia, I am also shocked at how different "healthcare" is in the States. I live in Canada, and I couldn't imagine paying for a doctor's appointment. Our system is far from perfect (long wait times in ER or to have certain surgeries), but at least we don't have to pay for it. That's what taxes are for! :)

Best wishes! Once you put your mind to it, I think you'll find ways to cut spending and save up some money! :mrgreen:

And.... CONGRATS!!!!!
Me: 39 multinodular goitre, completed 3 cycles of heavy metal detox, HSG Sept 20/12 - R tube open, L was slightly blocked, cleared during procedure, exploratory lap Feb 25/13 found mild endo (2 spots) removed and tubes flushed.
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Clomid cycle #2 100 mg CD3-7 May 2013 = didn't BD during fertile window = BFN
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Postby litmajor » Sat Jan 07, 2012 6:51 am

We live in the USA, and won't be paying a dime of the health care (although maybe something small at delivery- my mom paid less than $20 for me). My husband is in the Army though, so we have great health insurance. Good luck to you!
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