Yesterday I got the best text from Johnny. It said, “We owe $0 on the epidural!” That text confirmed what we had hoped against hope would be true: having Baby Girl had cost us $0 in hospital bills.
Last July, Johnny and I were contemplating moving away from Boston. We wanted to move somewhere more family (read: financially) friendly before Baby Girl was born. Johnny interviewed at a company in a location that fit the bill. And after interviewing, he realized the location wasn’t just perfect — the company seemed pretty great, too. So without further delay, he accepted the job.
Once we were settled into our new home, we also said goodbye to my company’s insurance and hello to Johnny’s new company’s insurance. Prior to Johnny taking this new job, we hadn’t even glanced at the insurance plan. So when we finally did look at it, our jaws dropped. It had a $0 deductible and 0% coinsurance. AND supposedly it had 100% maternity coverage.
But what did 100% maternity coverage even mean? The months passed, and all of my maternity appointments had a $0 copay. That was nice, but Johnny and I still weren’t convinced that our baby’s entire birth would be covered by our insurance. Before we knew it, the big day arrived, and we went to the hospital to meet Baby Girl. And without a second thought, I said “YES!!!!!! NOW!!!!” to an epidural. Soon after getting the epidural, my sister texted me and said, “Epidurals are worth every penny!” In that moment all I could think was, “Crap. Epidurals cost extra??” But too late to turn back!
Earlier this week, Johnny and I got on our insurance’s website to look at the damage. The first bill listed was for the birth. It came to $4,500, and we owed… $0! Phew. Next was the bill for the hospital stay, which came to $9,000. And survey says? $0!! What?! So far so good! And then there was the anesthesia (epidural) bill. It came to $4500 also, but it was still being processed! There was no way it would be completely covered, too, right? It all just seemed too good to be true… But, sure enough, we owe $0 for that as well. Oh. my. awesome.
Needless to say, we are more than stoked about owing nothing for Baby Girl’s birth. The only money the hospital got from us was what Johnny spent on their terrible cafeteria food.
Moral of the Story
Johnny and I will NEVER EVER again take a job without looking into the insurance. The insurance benefits offered by Johnny’s company are worth thousands. And our insurance premiums are the same as they were with our past insurance plans. Johnny’s company just foots the bill to give its employees incredible insurance.
One more plus? I signed up for supplemental insurance before I got pregnant with Baby Girl. So if all goes according to plan, we may actually make a little money from our little creature. We’ll take it!
Have you ever started a job only to learn about awesome perks or benefits afterward? Johnny and I have never had a baby before… are we justified in our giddiness over a $0 hospital bill, or does this happen more often than we think it does?