Health Insurance Vs. Self-Pay

Contrats on the new baby!
I myself had a c- section and will get another with my 2nd child due in Nov. I would never try vbac, it seems unecessary and dangerous. But I would not pay insurance and for the surgery, when you know the chance is off the charts that you'll have another. That seems like a waste. I heard of a maternity card that might help your situation. Good luck.
http://www.maternitycard.com/form1.asp?source=0C0K02-sear...

Does it cover anything else. Is it covering your prenatal care? What about after the baby is born? Does it cover any complications like infection or any of the other things moms can go through postnatal? I gues my questtion is does it cover everything except the surgery itself or because of the c-section is nothing covered. If it does, then I wouldn't cancel it.

Hi,
I am not sure what to tell you as far as what to do about the insurance. I have never heard of insurance that would cover medical but not a c-section. ?? I would strongly encourage you to look into getting a doula. If you look at the research, they reduce the need for c-sections, medication during labor and so much more! I had one for 3 of my 5 births. My first birth was c-section and the next 3 were v-bac births with a doula. I am now a certified doula myself and I can give you more information if you would like under NO obligation. There is usually a charge for doula services but they could help you avoid another c-section. May I ask who your doctor is and where you will be delivering? That will also increase or decrease your chances of having another c-section birth.
I would be happy to answer any other questions you may have if I can. :)
Blessings!
G. C.

My neighbors just went through this too. If this helps make your decision, he SELLS insurance, and still decided to not pick up the maternity coverage. They're just paying out of pocket. He has regular insurance for his daughter and his wife, but none for himself. So, I know atleast in their situation, he found the numbers to not be worth the maternity coverage. You figures are the same as theirs too, they said something about paying about $5000 out of pocket. She is now 5 months pregnant.

I would have a vbac if you can and let insurance cover it. You could also take them to small claims court. I think it is 2500 a claim maximum 5000.

jo