Actual cost to deliver a baby

posted 3 years ago in Babies
Post # 3
11668 posts
Sugar Beekeeper
  • Wedding: November 1999

@June232012:  This will vary widely by hospital and geographic region.  I would call up the hospital you plan to deliver at and ask them for an estimated cost.

I would also ask your insurance carrier if they roll over deductibles in such situations, sometimes they will.

Post # 4
157 posts
Blushing bee
  • Wedding: October 2014


I feel for you… I’m not going to be much help as I live in Canada so there is no cost… but my parents like in California and I believe their friend had baby earlier this year and they said it was about $15,000 for the birth.

Post # 6
9137 posts
Buzzing Beekeeper
  • Wedding: November 2013 - St. Augustine Beach, FL

@June232012:  Depends on the region and the insurance plan but anywhere from $5,000-10,000 for a vaginal, $10,000+ for C-section.  What you actually pay out of pocket will then depend on your plan.  Try to choose the plan with the lowest out of pocket maximum because once you hit that number, the insurance will pick the rest up.

You can always call the insurance company(s) directly for a rundown of what average costs are for birth.

Post # 7
11772 posts
Sugar Beekeeper
  • Wedding: May 2013

Call the insurance company and ask them!

I found out that our beginning of year deductible doesn’t apply to childbirth, so it’s only going to cost us $215!

Post # 8
453 posts
Helper bee

My kids were both around $13,000 for a C-section in 2006. 

Post # 9
687 posts
Busy bee
  • Wedding: August 2012

I just received a letter from my insurance company through work that gave a breakdown of the cost of having a baby. With our $2000 deductible and 80/20 the out-of-pocket I believe was around $4-5000 for vaginal? Of course I can’t find the paper with the specifics!

Post # 10
5674 posts
Bee Keeper
  • Wedding: August 2010

It really all depends on your insurance plan. Births cost anywhere from 20-40k but it’s all up o your insurance plan based on how much you pay. 

With DD I had a $500 deductible which I had already met from visits and then a 20% coinsurance up to $2,000 so I got a $2,000 bill. 

I worked in insurance so please feel free to PM is you have any questions. 

Post # 11
644 posts
Busy bee
  • Wedding: May 2010

I’ll give birth toward the beginning of the year, my costs will be my deductible + 20% of delivery cost which should total around $2,000 out of pocket, if it’s a c-section I can expect to pay about $1k more. We have budgeted to have $3500 slated for the total cost just in case.

Post # 12
919 posts
Busy bee
  • Wedding: September 2011

My vaginal birth with an epidural and a 2 night stay was 22,000.  That of course excludes all of the lab work/ultrasounds/ appointments.


We paid 1200 total out of pocket though.   We get our insurance for free but have a 1200 max out of pocket.

Post # 13
881 posts
Busy bee
  • Wedding: September 2012

I called my insurance company to ask and they told me it would only cost me my hospital/surgery co-pay which is $100.  This was regardless of the type of delivery and includes the days I need to stay overnight.  When I had jaw surgery 2 years ago, I only paid the $100 hospital copay and the surgery would have cost 45K so I tend to believe them.

Post # 14
2184 posts
Buzzing bee
  • Wedding: November 2011 - Florida Aquarium

My complete hospital stay is covered. Anything I or baby need will be covered by my insurance. I was shocked at how well I’m covered, actually. Definitely just call and ask– all the reps will know and will be happy to tell you. If it’s through your employer, I would just have a take with the HR person and ask her to find out. 

Post # 15
3119 posts
Sugar bee
  • Wedding: August 2012

@June232012:  I was on the other thread that @Westwood: linked to, but after I finished picking my coverage based in part on that conversation, I found a tool on my Blue Cross Blue Shield website that is helpful. It lets you choose your location, the service you are looking into (so I had done a few different ones including obstetrical ultrasound, vaginal delivery, c-section delivery, etc.) and then it spits out results for average cost at local facilities. Of course, that didn’t take into account any complications, but was still helpful. 

Not sure who your insurance provider is, but perhaps they have something similar on their website. 

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