June 2008 Weddings
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BR: Doctor Visits the First Year

DH and I have separate insurance.  We're trying to decide whether to put the baby on my insurance or his and weighing the costs.  Can you please help me with some info so I can do an analysis.

1.  How many well baby visits are typical in the first year?

2.  How many additional doctor visits for baby are typical?

3.  How many prescriptions did you have to get filled for the baby in the first year?

4.  Any other major medical costs for the first year besides delivery and possibly circumcision?

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Re: BR: Doctor Visits the First Year

  • 1 - We had 7. One week, one month, two months, three months, 6 months, 9 months, 12 months.

    2 - We had none. Jack didn't get sick at all. I don't believe this is normal though!

    3 - One prescription - for his vitamins. That was it.

    4 - None for us.

    Wow, reading that makes me realize how lucky we are to have a very healthy child who doesn't get sick!!!

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  • 1. You go for well baby visits typically at 2 weeks, 2 months, 4 months, 6 months, 9 months, and 1 year.

    2. I only took Kellen to the doctor I think 5 times besides his well baby visit, and 2 visits to the ER. The two visits to the ER was because he kept getting a really, really high fever that wouldn't go down. Two of the doctor visits was from him being sick, 1 of them was a follow up to the ER visit, and the other 2 were to get the flu shot broke up into 2 parts.

    3. The only prescription I had to get filled was flouride for him to start taking after 6 months, but that's only because we have well water that doesn't have flouride in it. That may depend on the area you live in. The only other time you would need to fill a prescription other then that would be if the baby is put on antibiotics or a different special medicine.

    4. We get charged separate for the booster shots and blood draws from the well baby visits with our insurance. That tends to be the most expensive part of the whole thing for us because the vaccines and boosters add up to alot. So, I guess that all depends on your insurance and what they cover and how much.

  • Well looking at Katiedom's response I guess the number of well visits may depend on the doctor then?

  • 1. We went at one week, one month, two months, three months, six months, nine months and one year.

    2. We had to schedule a doctor appointment when he was a few days old to follow up on the Jaundice and we then went to the doctor at 8 months for vomitting.

    3. He had one prescription for magical butt cream. This was how we learned Zac's skin didn't agree with huggies products.

    4. He was sent to Children's Hospital for a follow-up to his well doctor visits twice, one for a heart murmur and for lead testing. Thankfully both came back negative and he's a healthy dude. He also was at Children's for the 8 months sickness mentioned above.
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  • 1. We had one a couple days after leaving the hospital, 2 months, 4 months, 6 months, 9 months, 1 year.  so 6(and we have to pay like 90-150 bucks after insurance--depending on the shots).

    2.  I don't know what is typical but we had the weight issues so we went in 2 times for that, 1 time for pink eye, 2 times for her ears.

    3.  3 so far.

    4.  We had her tubes put in so the specialist costs and surgery costs.  They do a lot of testing in the hospital that I was surprised to see show up in the bills.

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  • 1. We had 7--4 days old, 1 month, 2 months, 4 months, 6 months, 9 months, 12 months.

    2. We had 2--one for a rash, one when she was sick.

    3. None.

    4. Co-pays for each visit were all we had for hers. All of her shots were covered.

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  • image alliapistor:

    1.  How many well baby visits are typical in the first year? 2 weeks, 2 months, 4 months, 6 months, 9 months, 12 months for us

    2.  How many additional doctor visits for baby are typical? we had a neurologist appt at 2 1/2 weeks but that was it

    3.  How many prescriptions did you have to get filled for the baby in the first year? 0

    4.  Any other major medical costs for the first year besides delivery and possibly circumcision? Not to be a debbie downer (and I haven't read pp so this may have been covered) but Collin was in the NICU for 6 days. Not only that, he had 3 EEGs, a spinal tap, and tons of other testing. Def look into how testing is covered and any NICU time. Hopefully it won't happen but huge bills for all that just adds insult to injury.

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  • It hasn't been mentioned and I am sure you know but just in case--the baby is covered for 30 days on mom's insurance no matter what before you have to get them covered by themselves.  And you have to wait for a SSN to add them to a policy.  We kept Elle on mine til Sept because I had already met my max on things and then switched her over because DH started covering all of us.  And we got her SSN in about 3 weeks. Our hospital only sends in the births on the 15th and the 30th of each month so that determined when your SS application went through.

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  • 1.) 1 week (follow up on jaundice), 2 week, 2 month, 4 month, 6 month, 9 month, 1 year.

    2.) 4 sick doctor visits, 1 visit for the flu shot, and 1 visit to the ER with croup.

    3.) 1 antibiotic for ear infection, multi-vitamins, and albuterol for breathing treatments.

    4.) the purchase of a nebulizer for at home breathing treatments following a respiratory infection.

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  • image amybyrd:

    It hasn't been mentioned and I am sure you know but just in case--the baby is covered for 30 days on mom's insurance no matter what before you have to get them covered by themselves.  And you have to wait for a SSN to add them to a policy.  We kept Elle on mine til Sept because I had already met my max on things and then switched her over because DH started covering all of us.  And we got her SSN in about 3 weeks. Our hospital only sends in the births on the 15th and the 30th of each month so that determined when your SS application went through.

    I will have to check on this because my insurance policy brochure states otherwise.  It states:

    "We cover routine nursery care of the newborn child during the covered portion of the mother?s maternity stay. We will cover other care of an infant who requires non-routine treatment only if we cover the infant under a Self and Family enrollment. Surgical benefits, not maternity benefits, apply to circumcision."

     

    That led me to believe that if baby was healthy and just stayed in the hospital with me, it was covered but if baby had any isues it needed its own policy immediately. 

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  • 1.  How many well baby visits are typical in the first year?  Same as what everyone else mentioned, about 7 for the first year.  Our insurance didn't have a co-pay for well-child visits.

    2.  How many additional doctor visits for baby are typical? I think this can vary greatly.  I think ear infections are pretty common and if your LO is going to daycare, then you can expect him/her to be sick more often.  Kodi didn't go to daycare and never had an ear infection but he had reflux and GI issues.

    3.  How many prescriptions did you have to get filled for the baby in the first year?  We had prescription formula so we were getting that filled every 2-3 weeks for the first year of his life.  That was crazy expensive!  He also had reflux meds that got refilled about once per month.

    4.  Any other major medical costs for the first year besides delivery and possibly circumcision?  We had to see a GI specialist and also a urologist since Kodi had an undescended testicle.  He eventually had surgery on his testicle but that was after his first year.

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  • 1.  How many well baby visits are typical in the first year? Same as the others.

    2.  How many additional doctor visits for baby are typical? Eep.  

    Sick Visits- 3 months due to a fever, 6 months due to fever (turned out to be ear infection), 7 months 4 visits due to cough, fever, breathing difficulty, 8 months due to diaper rash. So we have 7 total so far.

    At seven and a half months Charlie caught RSV/Bronchiolitis and was in PICU for 5 days.  We just got the bill for this and it was $36,538.  We  met our deducible and have to pay 10% on the rest until we meet our out of pocket max.  All in all, our responsibility is $5000.

    Also, Charlie's one tear duct has still not opened.  He has had two procedures to try and open it without success.... boo.  I would say we have probably had another 4 visits in to the eye doc. 

    3.  How many prescriptions did you have to get filled for the baby in the first year? A lot of the standard anti-biotics can be filled for free at some pharmacies. We always take them to meijer to get them for free.  We did have to get a nebulizer and albuterol which ended up being $100.  We also had to get steroids that were $60.

    4.  Any other major medical costs for the first year besides delivery and possibly circumcision?  Our main costs all came from the RSV.  He is still suffering from the effects of the bronchiolitis, but it is getting better.

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  • 1.  We had 8 - few days old (our pedi didn't see her in the hospital since it was too far away), 2 weeks, 1 month, 2 months, 4 months, 6 months, 9 months & 1 year

    2.  We've only had 2 additional dr visits - 1 was a jaundice follow up and the other was for a flu shot for her.  We've been really fortunate to have a healthy baby (and a dr that responds to all of my questions quickly via email)

    3.  Only one for her vitamins

    4.  We didn't have anything major, just co-pays for her visits and that one perscription.  All of her shots (including her flu shots) were covered. 

    I'm with Amy about the 30 days- definitely worth calling your insurance company to see!  Mine didn't seem super excited when I called and asked about it... the agent's response was "well yes, technically she'll be covered, but don't you want to switch over to a family plan now to save the hassle of getting her covered after birth?"  Um no thanks, I'd rather not be paying way more money until I have to.  It was really easy to sign her up after her birth.  I had all the paperwork filled out ahead of time and just plugged in her birth date and social security number once we got it.

  • No babies yet, but I thought I'd put in my two cents too.

    I agree with those who have mentioned looking at hospital stay/coverage, etc.  If gosh for bid your baby needs to go into the hospital, those costs will be much more than the office visits.  

    It's so hard to predict what babies are going to need more medical care than others.  Specialists and testing can get expensive.  Hopefully your babe won't need that, but it's better to be prepared and have a lower deductible.

    I'm in the NICU right now, so I'm seeing all of the worse case scenarios, but I can say we have a couple term kids that had completely normal pregnancies and now will have a huge NICU bill.  

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  • 1) I think we are on track to have 7.
    We did 2 days after we came home, 2 weeks, 2 months, 4 months, 6 months, and we have 9 months and 12 months left.

    2) We went when she was three days old because she was having trouble nursing and our pedi's office has doctors/NPs who double as lactation consultants. We went when she was about a month old because she had an eye infection from a blocked tear duct. Went when she was around three months old for an ear infection. Went another time around 5 months old for a suspected stomach bug. So I think that's four extra visits so far? She's 6.5 months old.

    3) We've had two so far. One for an eye ointment, one for amoxicillin for an ear infection.

    4) Nope; we are lucky and have had great insurance coverage so far.

  • Oh, also, I just want to add... for the first months of Nora's life, we had her on a traditional copay plan--and there was actually no office visit copay for children under age 19, so it was great. But expensive.

    Once January 1 hit, Nora went onto the high-deductible plan with my husband. It's still no copay for well-baby visits, and a regular office visit if she's sick is supposed to cost us around $75 out of the HSA account.

  • 1.  How many well baby visits are typical in the first year?

    Is it sad that I already don't remember.  I know it was 3 days (b/c he didn't see her in the Hospital) and then like 2 weeks, 1 month, 2 months, 4 months, 6 months, 9 months, 12 months?  We had one additional at 7 months (or was it 8?) to get her second part of her flu shot.

    2.  How many additional doctor visits for baby are typical?

    We had one additional for the second part of a vaccine.  That was the only requirement.  Oh and she had some weight checks in the beginning. 
     We've been twice on sick visits.

    3.  How many prescriptions did you have to get filled for the baby in the first year?

    None.

    4.  Any other major medical costs for the first year besides delivery and possibly circumcision?

    None.

  • We are out of the ordinary... I couldn't give you an exact number, but can tell you this, the frist two months we had 8 visits for regular doctor, 2 for cardioligist, he also had the test for reflux, and a chest xray, he was also in the hospital for 2 nights/3days at a week old.

    Now for medications I think he only had 1 for the first year.

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  • image Loveofjoe11:

    I'm in the NICU right now, so I'm seeing all of the worse case scenarios, but I can say we have a couple term kids that had completely normal pregnancies and now will have a huge NICU bill.  

    This was us. Thankfully H's insurance rocks. I had a completely normal pregnancy, but ended up with an ambulance bill for the transport of Alex to Boston, then she stayed at the Children's Hospital there for 4 days. We also had a follow up ear check with an audiologist in Boston because she failed the first test. Since she wasn't in daycare the first year, we didn't have many sick visits, just for the constipation issue, so maybe 10-12 total visits in the first year.

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