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Bad Example
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<blockquote data-quote="Bagels" data-source="post: 1140472" data-attributes="member: 43436"><p>It's a perfectly valid example. The "physician visit inpatient" charge isn't the delivery fee, but rather your doctor's show-up fee, and is supplemental to the delivery charge. Billing will vary from doctor-doctor, hospital-hospital, insurance-insurance, but typically your doctor directly bills you for his fee, while the delivery fee is integrated into the hospital's charges; it's possible if the doctor has a contract/directly works for the hospital, you may not see this fee. But overall, TEAMCARE overestimates the national average in vaginal delivery while underestimating C-section. Of course, these charges vary locally; what's charged in a rural part of a state will often be less than half what's charged in a heavily populated urban part of the state. And it really isn't fair to include the deductible in cost comparison since the deductible applies toward all annual health care, and realistically, if you're expecting a child, it will have been met by delivery. </p><p></p><p>I just texted a friend who has what will be TEAMCARE, and he informed me that when he had his child in December, he paid "about a couple hundred bucks' out-of-pocket for the delivery - and that included circumcision, which likely isn't included in the above, so the example is very valid. Meanwhile, I've known several PTers who've had children and paid about $100. It's all about how it's billed.</p></blockquote><p></p>
[QUOTE="Bagels, post: 1140472, member: 43436"] It's a perfectly valid example. The "physician visit inpatient" charge isn't the delivery fee, but rather your doctor's show-up fee, and is supplemental to the delivery charge. Billing will vary from doctor-doctor, hospital-hospital, insurance-insurance, but typically your doctor directly bills you for his fee, while the delivery fee is integrated into the hospital's charges; it's possible if the doctor has a contract/directly works for the hospital, you may not see this fee. But overall, TEAMCARE overestimates the national average in vaginal delivery while underestimating C-section. Of course, these charges vary locally; what's charged in a rural part of a state will often be less than half what's charged in a heavily populated urban part of the state. And it really isn't fair to include the deductible in cost comparison since the deductible applies toward all annual health care, and realistically, if you're expecting a child, it will have been met by delivery. I just texted a friend who has what will be TEAMCARE, and he informed me that when he had his child in December, he paid "about a couple hundred bucks' out-of-pocket for the delivery - and that included circumcision, which likely isn't included in the above, so the example is very valid. Meanwhile, I've known several PTers who've had children and paid about $100. It's all about how it's billed. [/QUOTE]
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