Don't know How Americans afford to Have Children

posted 3 years ago in Babies
Post # 2
Member
3280 posts
Sugar bee
  • Wedding: June 2014

Typically if you have decent insurance and your work pays for your insurance, the entire pregnacy, classes, delivery, etc can be a couple hundred dollars. It totallyyy varies between people and insurance companies. 

Post # 3
Member
9137 posts
Buzzing Beekeeper
  • Wedding: November 2013 - St. Augustine Beach, FL

Ditto PP.  If you are lucky enough to have a decent job with good insurance, it’s not that big of a deal to be pregnant and give birth.

The part that I am jealous of is the maternity leave benefits offerred in other countries.  Here maternity leave is voluntary and unpaid (very few employers offer paid maternity leave; it’s more common to only receive 3-6 weeks of unpaid leave from an employer.)  I’m lucky so I have the ability to afford to pay for short term disability insurance which will pay me 75% of my normal wages for up to three months after giving birth.  After that I am expected to return to work or risk losing my job because they only have to guarantee it for 3 months under the Family Medical Leave Act (FMLA is guaranteed only because my employer has more than 50 employees.)  Most women are forced to either return to work within a few days/weeks because they cannot afford to take the time off from work unpaid.

Don’t even get me started on the cost of daycare.  For us it’s cheaper for my DH to be a SAHF than it is for him to work while we pay for daycare fees ($200+ per week for infants in our area.)

Post # 4
Member
6504 posts
Bee Keeper
  • Wedding: June 2013

alleycat1984:  Most people I know have insurance. I will be paying $20 total when I have a baby because I have to pay a $20 co-pay to be admitted to the hospital.

I also have a few friends who didn’t have insurance through work and were able to get it through the state and paid very little to have their baby.

Post # 6
Member
4072 posts
Honey bee
  • Wedding: January 2014

When I think about where DH and I will live in the future (UK or US), I do think about children and find it awfully nice to have pregnancy and delivery covered here in the UK. And of course a much nicer maternity leave here in the UK!

Although then I look at housing prices here and overall higher cost of living, and I am dumb founded as to how to afford these future children after we have them. There is give and take!

Post # 7
Member
9529 posts
Buzzing Beekeeper
  • Wedding: August 2013

If you’ve got a job with a large company that has a good insurance, it’s not that expensive. Probably less than you pay for your medical care through taxes in a few years. There are certainly lots of people without good insurance that have a rough time, but most people I know did not experience significant financial distress associated with the medical costs of having a kid.

I’m actually all for a universal payer system but the US system isn’t as bad as most people from other countries think.

Post # 8
Member
2398 posts
Buzzing bee
  • Wedding: July 2013

alleycat1984:  I wonder this as well. I’m in the US, with a decent job, college grad, making just at 30K/annually, with employer provided health insurance. However, my deductible (just for myself) is $3,500 (add in DH & it goes up to $5,000). That’s $3,500 I have to pay out of pocket, period, before they will pay a damn penny for anything…. It upsets me a little when I think of my step-sister who is 100% irresponsible and an addict is able to pop out 4+ kids on welfare without paying anything, but here we are responsible, paying our bills, thinking through these decisions it seems impossible to ever afford…. =(

**I’m not saying everyone on welfare is a druggie, addict, or irresponsible- just my step-sister specifically- my dad & her mom adopted and care for all 4+ of her kids (i think there’s 5 now but I stopped asking a while back)…. 

Post # 9
Member
3223 posts
Sugar bee

beachbride1216:  $200+/week for daycare seems so freaking cheap. 

Infant day care here (typically only for over 3 months), is 2,000/month +.

 

Post # 10
Member
856 posts
Busy bee
  • Wedding: August 2012

I had my daughter in 2013 and paid maybe a couple hundred? It wasn’t anything to stress over. 🙂

Post # 11
Member
7259 posts
Busy Beekeeper
  • Wedding: February 2013

We pay over $400/month for our insurance through my DH’s work, and it cost us $2000 to have our baby. I also only had 12 weeks of maternity leave, unpaid. Sucks.

Post # 12
Member
3693 posts
Sugar bee
  • Wedding: August 2013

The people with really good jobs/really good insurance usually make out pretty well. Likewise, the people who have almost no money do pretty well (at least in my state), because the government picks up essentially the whole tab. It’s usually the people in the middle who end up getting hit harder financially by prenatal care/labor/delivery.

Post # 15
Member
6655 posts
Bee Keeper
  • Wedding: August 2010

I’m a Canadian living in the US, insurance is paying for all of my doctors visits at 100% and I have to pay $250 for the hospital admittance fee.

Granted insurance is a big fee coming out of my pay, but in Canada, at my level of pay, taxes would be a big fee coming out of my pay!<br /><br />The only disadvantage I see so far being a Canadian living in the US, is the stupid (read non-existant) mat-leave policies here!

Post # 17
Member
1679 posts
Bumble bee
  • Wedding: October 2013

Through my employer, my out of pocket for insurance would have been $5000. Thank goodness DH has much better insurance and we will pay $1500 out of pocket once we have a child. 

Daycare is another story. They run about $1200 a month where I am 🙁 almost makes more sense to quit my job and at least enjoy my baby!

Post # 18
Member
500 posts
Busy bee
  • Wedding: March 2011

I work for the state, so my insurance coverage is pretty great. I will only have to pay around $300 to have a baby (plus some co-pays here and there. Maybe $500 altogether.) But if I was still under my DH’s insurance, we would have to pay $3,500. It really just depends on your insurance coverage.

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