pregnancy costs!

So, I just couldn't resist this quick post...so Ryan and I have been saving our nickles and dimes (ok way more than that) for this baby. We both work for small employers so we are stuck with High Deductible Health Plans (at least we have them, well that's the gist of this story). So we complain and worry about how much this baby will cost and hope that the $6000 we've saved so far in our handy-dandy HSA accounts will be enough. Well, today I almost had to put the baby (who is only the size of a walnut right now) on the black market because I got our first lab bill and the opening line said "amount billed: $918.25). HOLY COW!!! That was just ONE lab visit and I've heard there will be plenty more to come! Yikes! So then I freak out and quickly scroll down and pray there is better news...and there is! Althought our insurance sucks compared to some (we have a $2500 annual deductible and then have to pay like 20% up to the cal year max out of pocket of $4000-if you do everything by the insurance's book, and this baby will take up not 1 but 2 years worth of deductibles might I add) it will be a great asset due to the contracted rates between hospitals, labs and doctors and Blue Shield! What a relief when I saw that I am only responsible to the lab for $120.11. Whew, the baby is safe (for now)! So, my advise get a crappy/cheap plan if you have to to avoid cash pay prices. Plus, with the HSA accounts Ryan and I can both put away $2800 a year each for medical expenses for anyone in the family and it rolls over each year (and makes interest) forever. Plus, the premiums are low like $130/month and our employers do contribute $600-800 a year into the accounts so they will be helping to financially pay for this pregnancy. Thank you! Another reason to support lower premiums on insurance and bring it to all Americans!

Initial Doctor's Visit with OB: $102.44

First Lab Tests: $120.11

Our first baby: Priceless