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Mine cost me $450 after delivery. My visit-ly copays were $25. I have a pretty good insurance plan, I think, but nothing super out of the ordinary. I delivered at a normal hospital, had an OB, epidural, vaginal birth, etc.
It's going to cost a friend of mine $100, but that's assuming there's no complications.
I guess this would all depend on your insurance and what is covered and not covered. Plus what your deductible is. This is probably where you should call up your insurance and ask.
My friend said her deductible was about $500.
I asked my coworker who recently had a child and he said it was $200-$250. Woohoo for me!
My brother and his gf had a kid about 8 months ago. I should ask them how much they spent. I know they did have a doula and those are usually not covered. Or at least, my brother's insurance didn't cover their doula.
The best bet here for planning is to actually check with your insurance to see how much of the fees they cover. Also, check and see what hospitals and providers are in network if you have a PPO.
My husband's company is well known for providing good insurance coverage, but for reference, his very large company covers 100% of maternity care and all associated delivery costs. It covers 80% for out of network providers and hospitals. No deductible. So, it might be better than you expect!
Our insurance covers 80%, but I don't know if there's a cap or not. Which means if the delivery costs $20,000, we'd have to pay $4K out of pocket. Not sure how that works because they were paying 80% of the doctor visits and we were getting billed the difference(no co-pays, but 20% was still around $40-50 per visit) but we haven't gotten a bill in about 2 months so I'm not sure if we only pay a certain dollar amount and they take over after while? We'll find out soon I guess.
My SIL had a baby two years ago, and after insurance she paid about $700. I think she only stayed overnight one night though and had no drugs so her stay was a little cheaper. She did find out though later that the hospital charged the insurance company $100 for a Tylenol they gave her.
It varies depending on the area, the hospital, the birth, and the insurance. My 8 hour, vaginal birth with no interventions/medications beside external monitoring and saline drip and a 36 hour hospital stay for me and baby postpartum cost 20k. The epidural and anesthesiologist cost an extra 2k. After insurance paid out, I only paid $3.50 out of pocket, but we have incredible insurance and no copays/deductible. We're very lucky.
It's incredibly dependent on location and type of insurance (not just brand, but whether it's a PPO or HMO or CDHP) not to mention whether she has a c-section or vaginal delivery. She should read over her specific plan and talk to the hospital to get a realistic estimate on what she's going to have to pay. Worrying about it is not the kind of stress you want to have last minute in the hospital with a newborn!
My birth/hospital stay was around 20K. I had a normal vaginal birth and was in the hospital for two days afterwards. Got a bill from our insurance company for $175. sweet!
For delivery, we have full coverage minus a $300/day deductible for the hospital stay.
@UpstateCait: It totally depends on what your insurance covers. Our covers 80% (now that we have met our deductible) so that still leaves 20% out of pocket for us.
Once we pay $5,000 though this calendar year they cover everything 100%.
I just switched insurance plans at work, my old plan covered everything 100%, no deductible but it cost me $11K a year. The plan I have now there's a $1000 deductible per person, $2000 deductible per family max but all maternity care is covered 100% - and it's only costing me $6K a year, woohoo!
I'm not sure if anything else might come up that's costly but I figure with the $$ I'll be saving from not having the premium plan anymore, I'll at least be prepared.
Supposedly when we get pregnant it should be almost free with military insurance.. but I don't know for sure since I've never had a baby. This is a great question.
I was lucky enough that my first baby was under military insurance and I didn't pay a single cent for any of my care....which is good since they almost killed me, another story....
My second I was not working and was on state Medicaid so I didn't pay anything again.
I'm actually curious to know this as well!
As PP said it all depends on your insurance. I work in insurance. It can cost almost nothing to a lot of money. Just depends on what your insurance plan covers.
I just looked mine up, since I've been kind of nervous seeing what other people have written. It looks like I have great insurance (which I have been told previously but never really looked into it). The copays for labor and delivery look to be $0. I have $10 copays for pre and post-natal office visits. The max I can ever pay out of pocket in a year is $1500, so that is comforting too. I'm curious if there are any hidden expenses that I haven't considered though. One that I can think of is that we would probably want a doula, and I know that is usually considered to be an extra cost that isn't covered by insurance.
My plan covers 90% of all costs associated with the birth, with a max of $1500 out of pocket for us. We've already put some money towards that max with prenatal care, so we won't end up having to pay too much for the birth, which is great.
We paid $2500 because that was my insurance deductible for the year then insurance paid 100% which was awesome because our fees were as follows:
OBGYN for delivery - $2290
Anesthesiologist - $1700
Hospital for me (2days) - $9000
Hospital for baby (5 days, NICU) - $30,000
NICU doctors for baby - $900
That NICU stay was ridiculous, it was like $3,300 PER DAY just for him to be in there, I can't imagine having a baby in there for a month!
This worries me! my insurance pays 80%, but my DH has to double check that I was added onto his insurance as requested because we never heard back. If I am on his as well, I am double covered, and I should have to pay very little out of pocket.
Thanks ladies. I'm not sure how much my friends insurance covers but I would imagine it's not 100%.
@camrie: Yikes! Thank god for insurance!
My friends newborn daughter was diagnosed with some kind of heart malfunction which required multiple surgeries. She was in the NICU for a little over a month and their bill was over $1 mill! Thankfully her husbands in the military so they're fully covered but could you imagine if that wasn't the case?! Very scary stuff!
I paid $500. If my daughter had to stay in the hospital after I checked out then it would have been another $500.
My insurance paid 100% of my costs except for a 250.00 inpatient deductible, BUT even though the hospital that I was at was IN-network, they contract with anesthesiologists that weren't in-network with my insurance. I didn't know this at the time so imagine my surprise at the $1700 bill that my insurance paid $600 as of out-of-network and I now have to pay $1100 unless my insurance will repeal it. Apparently this is pretty common practice with anesthesiology practices depending on the size of your hospital.
Overall my insurance was billed 4,700 for my delivery/prenatal care, and almost 7,000 for my hospital stay and then the 1700 for the epidural.
In the end it really just depends on what your insurance coverage is and what type of deductible you have as to what you will pay out of pocket.
WOW! I never knew it was THAT expensive at a hospital. Both of mine were at a birth center, and my midwife/ND charges 3,000 from start of pregnancy, to 6 weeks after. I was covered 100%, but not sure if that would have been the case if my bill for hospital alone was 30,000!
This thread has made me incredibly grateful for Tricare. I am 100% covered through them.
My ins paid 70% and I ended up owing almost 7 grand. I had high blood pressure and ended up being there for 5 days. I had a vaginal delivery, and had an epidural. My best friend had her baby the next day and was only in the hospital overnight, so she only owed like $500. With my current payment plan, I'm going to be paying another 10 years or so... :(
It wildly varies. She should check with her insurance company about that. I know for one friend of mine it cost her a grand total of $50.
@smileyd: thats exactly what i was thinking while reading this!
i was telling SO how much it cost and we were completely shocked!
It cost my friend about 2500 after insurance, and she had a C-section and stayed in the hospital about three days. I'm sure it would be a little less if she had a vaginal delivery.
Just looked ours up a couple days ago since we're NTNT. We have a regular $0 deductible. All maternity office visits/care is free of co-pays after your first ($25) visit, and all delivery costs, hospital stay, etc, are covered 100% after $250 in-patient deductible.
I'm thankful we have a really good plan!
It all depends on the insurance. Most have an out of pocket max, or a deductible. For my in-network deductible is $2500 per person in the family (then they have a family max, which is like $6500 I think?!), and out-of-network out of pocket max is 4k. I'm having mine at a birth center, which is out of network, so I'll have to pay about 4k I think.
My insurance covers 100% of it (minus a $500 deductible). That's for a vaginal birth. I'm not sure about a cesarean or if any complications arise.
Hmmm. Mine was in 2004 and I paid $50 total in copays for all my dr visits and my c-section delivery.
We live in Australia so we get all medical covered, a solution to your problems = move to AUS :D
Oh wow... soo glad I am in Australia, thats all I can say! Hooray for almost free healthcare!
I have paid $20 to date for copays, all my pregnancy appointments are bundled once I was 'diagnosed' pregnant. I'll have a $150 co pay at the hospital once I am admitted to give birth, and that's it. Grateful for my insurance. I have had a number of issues with my pregnancy and my medical bills already total more than $10,000.
I was in the hospital from Wednesday night until Sunday morning (I was induced, she didn't feel like appearing until Friday morning, and my insurance covers 2 days after delivery so I took it :) ) With the induction cost, 2 epidurals (because apparently my back doesn't like them), and all of the routine stuff, after insurance I paid around $500. With my youngest, I was in the hospital 3 days, 3 epidurals (yup, 2 kids, 3 epidurals...) and had my tubes tied and I think my bill was $700 after insurance. I work in the hospital I delivered in and our insurance is pretty good so I lucked out. Even other friends of mine said that their insurance covered quite a bit there so I guess our area and available insurance is about the same across the board.
Mine was $550. I had upgraded my insurance before getting pregnant. There were no complications. I did not have an epidural, so I am not sure if that would've cost more or not.
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A friend of mine is pregnant and due to give birth in the next few months. The last time we spoke she mentioned that she hasn’t told her husband about the fact that the delivery will actually cost money. We assume that he thinks it’s all covered under insurance, which it is not. She said she didn’t want to stress him out with that bit of info before the baby comes so she’d wait and tell him after (seems ass backwards to me but what do I know?). I always thought it was a few grand but after reading another thread, some of the PP’s mentioned it costing upwards of $10-$15k! I’m sure this varies greatly depending on your insurance but for those with run of the mill, typical corporate America insurance policies, how much did it cost to deliver your baby in the hospital?