How much does labor and delivery actually cost?

posted 3 years ago in Babies
Post # 3
Member
2429 posts
Buzzing bee
  • Wedding: March 2012

With my insurance I will only have to pay the deductable. So my delivery will only cost $15.

Post # 4
Member
2400 posts
Buzzing bee
  • Wedding: October 2012

My delivery will only cost $800.

Post # 6
Member
2400 posts
Buzzing bee
  • Wedding: October 2012

@MrsRose:  Damn I wish I had the breakdown they gave me. I’ll try to remember though so here it is:

C-Section: 100% covered

Vaginal: 100% covered

Doctor: 100% covered

Baby: 100% covered

Hospital Stay: $750

Epidural: $50

Post # 7
Member
904 posts
Busy bee
  • Wedding: March 2010

@MrsRose: My insurance covers 100% of maternity, including labor and delivery and nursery costs in the hospital. We got the bills before insurance started paying them and the total was about 45k for a vaginal birth with epidural. Your hospital should have an average cost if you call the billing department so that you can do the math as to whether you’ll meet your deductible or have to pay a certain % of the bill. It’s all so confusing! It took me 5 months to get all of the insurance bills sorted out and make sure everything was paid for after our daughter’s birth!  

ETA: Just re-read your post and realized that my answer neither answered your question nor was very helpful. Haha, I blame pregnancy brain (16 weeks) 🙂 I’ll try again later lol.

Post # 8
Member
2627 posts
Sugar bee
  • Wedding: November 1999

I dont have very good coverage so I expect to pay the out of pocket maximum. Deductible ($1200, but work covers the first 900 of that) plus they cover 80% of anything after that up to the out of pocket maximum.

So I am planning to pay about $3,900 of my own cash, but hope it comes in much less than that. I wont know till all the bills come in. I am a high risk case so I dont know what extra procedures/visits etc will cost until they happen.

Its going to depend on your plan. After the deductible (not the same as a copay) which is what you pay in cash before your insurance kicks in, it may cover 100% of some visits/tests/meds etc or 80% of others. Then you have to cover the remaining portion of what they dont pay until you reach the out of pocket maximum. Depending on that will depend where between your deductable and your out of pocket maximum it will fall.

@redhead46:  $15 sounds like a copay, not a deductable. Deductables are usually much higher than that. a few hundred at the minimum.  However if it is only $15 deductable, that is awesome.

Post # 10
Member
2429 posts
Buzzing bee
  • Wedding: March 2012

@ThreeMeers:  @MrsRose:  Sorry that’s what I meant, was my copay.  I only have to pay a copay for any hospital stay.

Post # 11
Member
10384 posts
Sugar Beekeeper
  • Wedding: September 2010

I pay $0. Totally depends on your insurance.

Post # 12
Member
1395 posts
Bumble bee
  • Wedding: November 2011

Sooooo thankful to be in the UK. It costs nothing. I get free physiotherapy and dental care during pregnancy  as well. 

Post # 13
Member
2627 posts
Sugar bee
  • Wedding: November 1999

@MrsRose:  Look into other plans that are offered at yours or DHs work when signup comes around again. We chose the more expensive plan of the two options because we could choose better doctors.

We could have chosen a plan that paid 100% of everything, but our choice of doctors was very, very limited and given that I have health problems this was not OK for me, but would be OK for most other people.

Post # 14
Member
3677 posts
Sugar bee

Depending on the terms of your coverage and your out-of-pocket costs, you may find a freestanding birth center to be a cheaper option?

It’s worth looking into, if it’s the type of birth that might be right for you (if you are healthy and low-risk, and if you want or are open to a drug-free birth. If you prefer to have an epidural, you will need to go for hospital birth.)

Post # 15
Member
11668 posts
Sugar Beekeeper
  • Wedding: November 1999

@redhead46: geez you must have great insurance!  Even my hospital copay is $250 I believe, I’ve never had coverage with a hospital copay under $100!

Post # 16
Member
9137 posts
Buzzing Beekeeper
  • Wedding: November 2013 - St. Augustine Beach, FL

@MrsRose:  Totally depends on your coverage.  When I punch mine into the insurance calculator on Florida Blue it ranges from $2,000-4,000 depending on whether it’s a vaginal birth or a C-section.  My out of pocket maximum is $5,000 so that is the most I would have to pay out of pocket.  My coverage is a $250 deductible then I have to pay 20% in coinsurance.  I would love for it to end up being less but I won’t hold my breath.  I am just glad that prenatal appointments are covered 100% after I pay the copay at the first appointment.

Leave a comment


Sent weekly. You may unsubscribe at any time.

Find Amazing Vendors