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05-15-2012 , 04:06 PM
Quote:
Originally Posted by TomCollins
I'm still confused how you think it's an advantage. I just went through this with a birth fairly early in the year (April) and we had basically no charges in 2011 and everything in 2012. January would suck because I think they want to charge you in 2011 for the OBGYN stuff, although you might be able to get it moved. We had a different issue, in that we have two choices of plans at my work and one is better than the other but costs a lot, so unless you use a lot, it's stupid to get that one. We switch to the expensive one the years of pregnancies. We lucked out on the first one, switching in November for 2010 since we were planning on trying for a baby and got pregnant in Jan, so everything was in 2010. For the last one, she got pregnant in July, had the baby in April, but everything was charged in 2012.

We didn't have significant other expenses in 2011, so it didn't matter (maybe that's what you are thinking of, you already hit some chages), but we are just as likely to hit those charges again in the end of 2012 as the beginning in 2011. I could be misunderstanding your point, though.
Are you HMO? I can only speak from my experience, but we got bills for ultrasounds, blood work, etc. etc. OBGYN charged a flat fee for the entire pregnancy, and then (in our case) c-section delivery. We got a different bill from the hospital for the procedure, delivery & room charges..etc. My PPO plan is 15% copay and I think 3 or 4K max out of pocket. Our son was born in the middle of February. We racked up around $2K in charges for the previous year and another 3K ish from the hospital & doc. We would have saved about $1-2K if our out of pocket max didn't reset on 1/1/10. Apparently it's somewhat common knowledge in the insurance industry?? The head of billing mentioned it to us and recommended we aim for conception OCT-FEB.
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05-15-2012 , 04:33 PM
Quote:
Originally Posted by A S U
Are you HMO? I can only speak from my experience, but we got bills for ultrasounds, blood work, etc. etc. OBGYN charged a flat fee for the entire pregnancy, and then (in our case) c-section delivery. We got a different bill from the hospital for the procedure, delivery & room charges..etc. My PPO plan is 15% copay and I think 3 or 4K max out of pocket. Our son was born in the middle of February. We racked up around $2K in charges for the previous year and another 3K ish from the hospital & doc. We would have saved about $1-2K if our out of pocket max didn't reset on 1/1/10. Apparently it's somewhat common knowledge in the insurance industry?? The head of billing mentioned it to us and recommended we aim for conception OCT-FEB.
I'm in a PPO. We got a flat fee for the birth from the OBGYN (and C-Section). We got a different bill from the hospital as well for all that stuff.

All our charges didn't occur until the beginning of the 3rd trimester, although our OBGYN was flexible in making sure they didn't try charging us until we were on the new insurance in January.

That definitely makes a lot of sense, though. Depending on what your OOPMax is, if you hit it with the combined expenses but not split, you can get screwed.
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05-15-2012 , 06:20 PM
So much for context. If only the forum allowed nested quotes.
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05-15-2012 , 06:42 PM
i would have imagined it to be alot different, surely if people are planning a to have a child, the mother wouldnt want to be 8-9 months preggo in the middle of summer?
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05-15-2012 , 06:49 PM
Quote:
Originally Posted by chardy
i would have imagined it to be alot different, surely if people are planning a to have a child, the mother wouldnt want to be 8-9 months preggo in the middle of summer?
You're presupposing most pregnancies are planned.

Many aren't. And even if people are planning a child, the advice is usually "have frequent sex until you are pregnant", not "have frequent sex unless it means you'll have the baby in July."
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05-15-2012 , 08:59 PM
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Originally Posted by SGT RJ
You're presupposing most pregnancies are planned.

Many aren't. And even if people are planning a child, the advice is usually "have frequent sex until you are pregnant", not "have frequent sex unless it means you'll have the baby in July."
but the distribution of unplanned pregnancies will be a normal distribution. The anomalies will be those that either planned to have their kids or didn't plan on having unprotected sex.

Oh, People that want successful athletes plan on early January births.
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05-15-2012 , 09:00 PM
Quote:
Originally Posted by SGT RJ
You're presupposing most pregnancies are planned.

Many aren't. And even if people are planning a child, the advice is usually "have frequent sex until you are pregnant", not "have frequent sex unless it means you'll have the baby in July."
We specifically did this, but that was after suffering through a September due date. If she wasn't going to be pregnant due by June, we were going to consider waiting a few months.

But for teachers, being 8-9 months in June is probably the best bet.
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05-15-2012 , 09:07 PM
Quote:
Originally Posted by TomCollins
We specifically did this, but that was after suffering through a September due date. If she wasn't going to be pregnant due by June, we were going to consider waiting a few months.

But for teachers, being 8-9 months in June is probably the best bet.
Oh, I'm sure some people do this, but it's probably the minority.

I wouldn't want to be pregnant in summer, but I'm assuming that if you want to get pregnant, you'll take what you get.
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05-15-2012 , 09:09 PM
for planned pregnancies, it's not uncommon to try to conceive for six months or more
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05-15-2012 , 09:16 PM
Quote:
Originally Posted by econophile
for planned pregnancies, it's not uncommon to try to conceive for six months or more
Yeah, I think they don't even consider that you're having fertility issues unless you actively try to get pregnant for a year without conceiving, right?
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05-15-2012 , 09:26 PM
Quote:
Originally Posted by SGT RJ
Yeah, I think they don't even consider that you're having fertility issues unless you actively try to get pregnant for a year without conceiving, right?
Unless you have other issues that would predispose you to infertility, i.e. PCOS, endometriosis, advanced maternal age, etc. But even then they usually want you to try for six months unless you've say, been charting and know you're not ovualtion or your luteal phase is out of whack or something.
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05-15-2012 , 09:55 PM
I like the fact that a lot of babies are getting squeezed out on Dec 28,29,30.

Probably for the tax break.

edit: oops, shoulda read the thread responses.
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05-15-2012 , 09:59 PM
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Originally Posted by metaname2
I don't understand why it is hotter when there are more births. Is it just friction?
Made my day.
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05-15-2012 , 10:05 PM
Quote:
Originally Posted by TomCollins
We specifically did this, but that was after suffering through a September due date. If she wasn't going to be pregnant due by June, we were going to consider waiting a few months.

But for teachers, being 8-9 months in June is probably the best bet.
No, for a teacher, delivering in Feb or March is the best bet. That way maternity leave closes out the year, then you get the whole summer.
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05-15-2012 , 10:11 PM
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Originally Posted by vhawk01
No, for a teacher, delivering in Feb or March is the best bet. That way maternity leave closes out the year, then you get the whole summer.
This. The better half and I will be trying to go this route when we have kids since we are both educators.
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05-15-2012 , 10:27 PM
Early january babies would be conceived around april, which is tax season. Nobody is in the mood for sex during tax season.
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05-15-2012 , 10:30 PM
Quote:
Originally Posted by RosieTheGreat
Early january babies would be conceived around april, which is tax season. Nobody is in the mood for sex during tax season.
ftr, accountants do indeed have sex
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05-15-2012 , 10:56 PM
Quote:
Originally Posted by econophile
for planned pregnancies, it's not uncommon to try to conceive for six months or more
This. Took us about 7 months for our first conception. Started around April and seed wasn't allowed entry until late November.
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05-16-2012 , 10:10 AM
Quote:
Originally Posted by econophile
for planned pregnancies, it's not uncommon to try to conceive for six months or more
For geezers, yeah. The older or more unhealthy you are, yeah, it *may* take that long. But even when you consider that, you would have more people starting (who are trying that way) at the safe end of the window, and more people are going to get pregnant earlier in the window than later (because once you get pregnant, you don't try any more, so therefore there are more people trying at the beginning of any desirable window than at the end).

Getting pregnant when healthy and no fertility issues is scarily easy a lot of the time. Especially when you time it right. Of course, when you have issues, it can take a lot longer (and possibly years without getting pregnant).

Quote:
Originally Posted by vhawk01
No, for a teacher, delivering in Feb or March is the best bet. That way maternity leave closes out the year, then you get the whole summer.
Duh. For some reason I thought they might want to actually do their job, should have known better.
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05-16-2012 , 12:42 PM
Look everybody Tom still can be awful even after the hiatus.
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05-16-2012 , 11:16 PM
Also the first 8 weeks after pregnancy the mother/child are at high risk from catching a cold. If you want to find the optimal date of conception you'd want to not do it during the cold season when everyone is sick.
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05-18-2012 , 07:07 PM
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Originally Posted by offTopic
My birthday coincides with Valentine's Day shenanigans. Ew.
Pretty much to the day for mine, thanks for making me think about that.
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05-18-2012 , 08:21 PM
Man, how many VD babies are there in this thread?

*raises hand*

I just remember this long serious conversation where my mom told me that I was "at the wedding", so to speak (which I had already figured out, because I can count) and then she felt the need to tell me that both me and my sister were conceived on VD.

Thanks, Mom.
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05-18-2012 , 08:33 PM
Quote:
Originally Posted by SGT RJ
Man, how many VD babies are there in this thread?

*raises hand*

I just remember this long serious conversation where my mom told me that I was "at the wedding", so to speak (which I had already figured out, because I can count) and then she felt the need to tell me that both me and my sister were conceived on VD.
I'm sure the penicillin helped her.
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05-18-2012 , 09:03 PM
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Originally Posted by eobmtns
I'm sure the penicillin helped her.
I'm sorry it didn't help you, though.
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