(Closed) After insurance, how much does it cost to deliver in the hospital?

posted 7 years ago in Babies
Post # 3
Member
536 posts
Busy bee
  • Wedding: September 2007

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.

Post # 4
Member
2289 posts
Buzzing bee
  • Wedding: November 2010

It’s going to cost a friend of mine $100, but that’s assuming there’s no complications.

Post # 5
Member
3871 posts
Honey bee
  • Wedding: November 1999

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.

 

Post # 6
Member
1046 posts
Bumble bee
  • Wedding: December 2010

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!

Post # 7
Member
958 posts
Busy bee
  • Wedding: October 2010

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.

Post # 8
Member
6010 posts
Bee Keeper
  • Wedding: May 2009

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.

Post # 9
Member
190 posts
Blushing bee
  • Wedding: September 2011 - Epworth UMC & Ward Pavilion

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!

Post # 10
Member
1883 posts
Buzzing bee
  • Wedding: June 2010

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!

Post # 11
Member
1116 posts
Bumble bee
  • Wedding: August 2008

For delivery, we have full coverage minus a $300/day deductible for the hospital stay. 

Post # 12
Member
538 posts
Busy bee
  • Wedding: May 2010

@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%. 

Post # 13
Member
828 posts
Busy bee
  • Wedding: January 2011

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. 

Post # 14
Member
2373 posts
Buzzing bee
  • Wedding: July 2008

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.

Post # 15
Member
2192 posts
Buzzing bee
  • Wedding: November 2011

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!

Post # 16
Member
6824 posts
Busy Beekeeper
  • Wedding: June 2011

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.

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