Childbirth Costs (1 Viewer)

[KCitons]

Wouldn't it make sense to have one of the parent just stay home. With the cost of daycare, gas, extra car, etc, etc. A change in careers to a part time job in the evenings or weekends for one of the parents would pretty much even out.

Plus the kid would be raised by, you know, the parents. Instead of a complete stranger?

Pffft. FBGs don't raise their own kids. That's for poor people.

It's also beneficial for the children. Our daycare doesn't have any TV's and my 18 mo. old has assessments done by the teachers every 6 months. The teachers are almost all (if not all) degreed, so it's more than just a babysitting service.

That's called private school, not daycare.

 

[McGarnicle]

Wouldn't it make sense to have one of the parent just stay home. With the cost of daycare, gas, extra car, etc, etc. A change in careers to a part time job in the evenings or weekends for one of the parents would pretty much even out.

Plus the kid would be raised by, you know, the parents. Instead of a complete stranger?

Pffft. FBGs don't raise their own kids. That's for poor people.

It's also beneficial for the children. Our daycare doesn't have any TV's and my 18 mo. old has assessments done by the teachers every 6 months. The teachers are almost all (if not all) degreed, so it's more than just a babysitting service.

You're saying that environment is more beneficial than the kid being home with its parent(s)?

 

[Thunderlips]

Government worker. They paid ME to have my kids!......

 

[ClownCausedChaos2]

Wouldn't it make sense to have one of the parent just stay home. With the cost of daycare, gas, extra car, etc, etc. A change in careers to a part time job in the evenings or weekends for one of the parents would pretty much even out.

Plus the kid would be raised by, you know, the parents. Instead of a complete stranger?

IT'S SO EASY! WHY DIDN'T I THINK OF THAT?!?!

 

[fantasycurse42]

Wouldn't it make sense to have one of the parent just stay home. With the cost of daycare, gas, extra car, etc, etc. A change in careers to a part time job in the evenings or weekends for one of the parents would pretty much even out.

Plus the kid would be raised by, you know, the parents. Instead of a complete stranger?

IT'S SO EASY! WHY DIDN'T I THINK OF THAT?!?!

Prob bc you aren't as smart as the original ClownCausedChaos - That guy knew things.

HTH

 

[TheWalkmen]

Wouldn't it make sense to have one of the parent just stay home. With the cost of daycare, gas, extra car, etc, etc. A change in careers to a part time job in the evenings or weekends for one of the parents would pretty much even out.

Plus the kid would be raised by, you know, the parents. Instead of a complete stranger?

Pffft. FBGs don't raise their own kids. That's for poor people.

It's also beneficial for the children. Our daycare doesn't have any TV's and my 18 mo. old has assessments done by the teachers every 6 months. The teachers are almost all (if not all) degreed, so it's more than just a babysitting service.

You're saying that environment is more beneficial than the kid being home with its parent(s)?

No, I'm saying there are benefits to daycare that you don't get at home, like more socialization with children from different backgrounds and families in addition to being taught and assessed by people with early childhood education degrees.

 

[NutterButter]

You think that's expensive, try having a 2 month old premie or two of them. I think the total bill was north of 250k of which we paid the deductible.

 

[NutterButter]

Wouldn't it make sense to have one of the parent just stay home. With the cost of daycare, gas, extra car, etc, etc. A change in careers to a part time job in the evenings or weekends for one of the parents would pretty much even out.

Plus the kid would be raised by, you know, the parents. Instead of a complete stranger?

All depends on how much money you make. You're really only talking like 30k at most.

 

[Quez]

We got back $1000 out of nowhere for our 2yo from my wife's OBGYN. So I think total cost with insurance was about $2500. We just gave the OBGYN group an interest free 2yr loan.

We are considering having a 2nd child, so I am thinking of getting on the low out of pocket max plan ($1500 max). I assume this would be the way to go as we would certainly hit the max.

 

[Kal El]

My wife works at the daycare where our children go, so we get a discount. That being said, it's hilariously expensive, and while she'd love to be a stay-at-home mom, the fact that stuff is so expensive means that we have to utilize daycare.

 

[NutterButter]

We got back $1000 out of nowhere for our 2yo from my wife's OBGYN. So I think total cost with insurance was about $2500. We just gave the OBGYN group an interest free 2yr loan.

We are considering having a 2nd child, so I am thinking of getting on the low out of pocket max plan ($1500 max). I assume this would be the way to go as we would certainly hit the max.

Yeah, that's the way to go. Unless you're unlucky where you have the child right between plan years.

 

[Quez]

We got back $1000 out of nowhere for our 2yo from my wife's OBGYN. So I think total cost with insurance was about $2500. We just gave the OBGYN group an interest free 2yr loan.

We are considering having a 2nd child, so I am thinking of getting on the low out of pocket max plan ($1500 max). I assume this would be the way to go as we would certainly hit the max.

Yeah, that's the way to go. Unless you're unlucky where you have the child right between plan years.

The problem is going to be scheduling a time to have sex with my wife.

 

[Patriotsfatboy1]

We got back $1000 out of nowhere for our 2yo from my wife's OBGYN. So I think total cost with insurance was about $2500. We just gave the OBGYN group an interest free 2yr loan.

We are considering having a 2nd child, so I am thinking of getting on the low out of pocket max plan ($1500 max). I assume this would be the way to go as we would certainly hit the max.

Yeah, that's the way to go. Unless you're unlucky where you have the child right between plan years.

The problem is going to be scheduling a time to have sex with my wife.

Hasn't been a problem for me.

 

[mr roboto]

Great stay at home parent > great daycare > decent parent > decent daycare > bad parent > bad daycare >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> letting your kid stay home with Homer.

 

[ClownCausedChaos2]

Wouldn't it make sense to have one of the parent just stay home. With the cost of daycare, gas, extra car, etc, etc. A change in careers to a part time job in the evenings or weekends for one of the parents would pretty much even out.

Plus the kid would be raised by, you know, the parents. Instead of a complete stranger?

IT'S SO EASY! WHY DIDN'T I THINK OF THAT?!?!

Prob bc you aren't as smart as the original ClownCausedChaos - That guy knew things.

HTH

Well, to be fair, he was younger and quicker.

 

[McGarnicle]

Great stay at home parent > great daycare > decent parent > decent daycare > bad parent > bad daycare >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> letting your kid stay home with Homer.

I would probably swap great daycare with decent parent, but otherwise, spot on. My mom used to pass out drunk on the couch and I had to fend for myself, and I turned outNever mind.

 

[Mister Martie]

My daughter was born 2 years and month ago. We had a bill for like $10k, but after all the insurance stuff kicked in, it got down to $2k. So we paid it off and moved on with our lives.

Then last month, (about4 days after my daughters second birthday) we get a bill from the hospital demanding $1037 or they were going to take legal action.

Odd we thought. Went and grabbed the bill that it was referencing and saw that it was for $2k. Found our payment in our bank statements as well. So called them up and asked them what the hell was going on. They tell me the bill was for $3k. I tell them that's not correct and that I have the bill showing $2k. And went over everything on the bill that resulted in the $2k charge. They say one of the items was different. I say that's what the original bill they sent me said. Had me fax a copy of the original bill and they would look it over.

A week goes by, I get a bill for $1037 again. But at least time it's a normal bill and not one threatening legal action. So I call them back up. They say that the Insurance did not pay what it says on my bill. I grab the EOB (explanation of benefits) and which says they paid what they said on the bill. They tell me they can't help me and to take it up with the insurance (which I no longer have as our company swtiched insurances)

So call up the insurance company, explain the situation, they can't seem to find anything that matches up with what the hospital is saying. So I have them send me a copy of every EOB they have associated with that hospital stay.

A week goes and I get a copy of the EOB's in the mail (had to get them in the mail because apparently 18 months is the cut off for them to email EOBs) and sure enough, everything they send me matches up with what I already have.

Call the Hospital back up. After telling them that the EOB's are still saying I only owed the $2k which I paid. They tell me that the Insurance Company made an adjustment this past November which resulted in me now owing that extra $1k. I mutter under my breath that it would've been nice if they had mentioned this in my previous calls. Also ask them if that's the case, why they didn't send me a bill then instead of waiting 5 months and sending me the threatening bill. They didn't have an answer about that. I apparently would have to talk to another department for that answer

So, back to the insurance company. Ask them if they made an adjustment back in November. After a little searching, yes they did! Turns out they were doing an audit and discovered they overpaid by $1037.88 so they took the money back from the hospital (they can do that apparently.) Asked them why they didn't send me that when I asked for EOB's before. Apparently adjustments are totally separate from EOBs, so that's why they didn't send it to me. So they email me a copy of that.

The Hospital did off to "settle" for like $770 but the remaining amount would be written off as bad debt and go on my credit report.

So I just had to pay a $1k bill that I had no idea was coming. Good times.

Wow, I had almost this exact same situation happen to me. The bill was only about $200 though. After 10+ phone calls it was clear we would never get this sorted so I just ended up paying the bill. This is a nice little racket they have going.

 

[pollardsvision]

Wait until the college bills start rolling in.

~$600 / wk for 2 under 2 in daycare starting in July annualizes to about $30,000. So I think I'm there on daycare alone.

Do you know any hot, broke Asian chicks and do you have a spare bedroom?