Post # 1
DH and I are doing some TTC budgeting, and we are wondering the average cost of a hospital birth. We know it depends a lot on your insurance, but we are wondering what your out-of-pocket cost was/will be for your hospital delivery. Right now we have federal employee insurance which is great, but that will likely change halfway through my pregnancy assuming we conceive soon! So we are looking into new insurance plans to switch to at that point, and we are realizing that the birth itself alone may cost us ~4,000 to 5,000?! (This would be on a plan through my husband’s small company. We haven’t looked into private insurance coverage.)
What is your experience?
Post # 3
We had to pay $700 out of pocket for a non-complicated vaginal birth. I think we have pretty good insurance.
Post # 4
I remember a thread about this a little bit back…you’ll probably get some new replies now but this could get you started. I think there’s an insane amount of variety in how much people spend. We chose a plan where we’ll be paying a reasonable amount each month, but a lot for the actual delivery (likely around 5-6K before our OOP max kicks in), and are just saving up in our HSA to accommodate the costs for that.
Found it: http://boards.weddingbee.com/topic/us-bees-how-much-did-your-delivery-cost#axzz2ocgFZTrM
Post # 5
@jbbird: Nobody can tell you unless they have your exact insurance, Its just varies way too much. We paid around $1500 for pre natal care and the hospital stay.
Post # 6
We haven’t gotten pregnant yet, but we’re expecting to only have to pay the cost of the first doctor visit. My insurance covers everything else. But of course, we’re making sure we have a good chunk in savings just in case.
My friend (who does not work with me) paid only her first visit. And my coworkers also only paid for their first visit to the doctor.
Post # 7
With my insurance plan, I am expecting to pay under $1000 for my and the baby’s hospital charges. Pre/postnatal care is totally covered.
We are also considering a homebirth, which would not be covered by insurance at all, but we’d pay $2900 and it includes all pre/postnatal home visits, routine testing, midwife + assistant fees for the birth, use of their birth pool, newborn screenings, and monthly prenantal support group meetings.
Post # 8
I checked with my insurance co on this after reading the thread linked above (and freaking out). With our plan, all maternity is “no cost, no limit”…. so zero out of pocket cost, both prenatal care and delivery. They also cover the cost of a breast pump and will reimburse up to $90 for a childbirth class.
I would recommend calling your insurance company (or maybe the companies that you are considering) to ask these questions…. they gave me general info and answered some questions, which was hugely helpful.
Post # 9
@SaltedCaramel that’s amazing! If you don’t mind sharing, roughly how much do you pay per month for insurance? I love the “no cost, no limit” maternity coverage!
Post # 10
If you can/want to wait I would get private short term disability (like Aflac) to cover some costs including missing wages. The “thing” is you can’t utilize it for a year after signing up so you might want to put off TTC for 4 months. I have had friends sign up and get 80-100% of their income for for 12-15 weeks paying $50/month for it. Even if your company offers maternity leave of their own STD, it’s a nice buffer financially.
Post # 11
if hospital births are too expensive, I really recommend midwifery or home births especially if you want a more intimate feeling rather than a clinical feel(no offense to those who had children in hospitals). Also, check out a film called the Business of Being Born! It’s a documentary about childbirth Hospitals versus Midwifery. They attempt to explain that childbirth is a business rather than a joyous experience for hospitals and midwifery is cheaper than hospital births.
My gf said after watching it (and after making me watch it) she would never birth a child in a hospital
Post # 12
@jbbird: I have to pay my deductible/whatever I need to meet my deductible which is $4k. The cost of l&d vary greatly from hospital to hospital, geographic region and by insurance plan.
Post # 13
Mine was (they asked for payment at 12 weeks) $380 for everything.
Post # 14
I don’t know how much I’ll owe the hospital but my insurance covers my OB prenatal care at 80% plus I have my deductible. I have a payment plan that must be paid in full by the time I am 28 weeks. The hospital itself will send a bill after the delivery.
You really have to check out your specific plan and how a specific office does things.
Post # 15
We will have to pay $900 out of pocket. We asked our insurance company plus one of DH’s coworker’s just had a baby. He told us they paid $900 as well.
Post # 16
i paid my out of pocket max which was 1000 which covered all my prenatal and delivery