Our $16,000 Dollar Baby.
For the past few years, we've had private health insurance. Back in the day when I was teaching school, we had amazing insurance and it cost me nothing . After I had Sophie and quit my day job (in favor of my current 24-7 job), we signed up for a policy through Select Health at a fairly decent price. Every year, however, they'd raise the rate and we'd have to downgrade to a slightly more generic plan to be able to keep it affordable. Somehow in the years of downgrading, we ended up with a policy that had a separate maternity deductible, so although our yearly family deductible is $1,500, we have a $7,500 maternity deductible. Honestly, who came up with that idea? I didn't even realize that we had a separate maternity deductible until this year. Bummer. After paying nearly $7,000 in premiums this year, we paid another $9,000 to have a baby with no complications, no medications, totally natural birth and the shortest possible hospital stay that we could get away with. ...