Spin off from birth Insurance in the US…

posted 3 years ago in Babies
  • poll: Fully aware of your out of pocket labor and delivery costs, what did you do to save money?
    nothing-- I did everything my dr. recommended : (16 votes)
    84 %
    I decided to forgo the epidural because it was too costly : (2 votes)
    11 %
    We decided on a home birth partly because it was more affordable for our family : (0 votes)
    Nothing-- but I didnt know all the costs. I wish I would have to have more financial control. : (1 votes)
    5 %
  • Post # 3
    Member
    3677 posts
    Sugar bee

    Have you looked into midwife care as your primary prenatal provider, and the option of a freestanding birth center (provided that you have a healthy and uncomplicated pregnancy)? It can depend a lot on your insurance whether a midwife is covered, but they are generally much more affordable and you still have good, trained medical care and support. The big caveat is that if you want an epidural, a midwife is not the right provider to be working with – it’s for women who want to go unmedicated.

    Even if your insurance doesn’t cover it, look into the option and do your homework. Depending on where in the country you are, and what the details of your health plan entail, a birth center birth with a midwife might still come out to be the better deal.

    Post # 5
    Member
    3677 posts
    Sugar bee

    Many midwives also catch babies in hospitals – that may be a more affordable option for you to look into as well.

    Post # 6
    Member
    1464 posts
    Bumble bee
    • Wedding: November 2013

    Serious option – My DH and I have decided that if for some reason we are uninsured, or it will cost too much, I will fly home to NZ to give birth (I have paid enough taxes there over the years I feel ok doing this)

    Post # 7
    Member
    11772 posts
    Sugar Beekeeper
    • Wedding: May 2013

    @tampalove35:  We made sure we’ll have INSANELY good insurance for the first year. The ENTIRE delivery/hospital stay will only cost us $215 (and we’re only responsible for 10% of the costs if the baby stays in the hospital longer than I do), everything else is covered 100%.

    And all the prenatal/well baby visits are covered 100%! And the breast pump is also covered 100%.

    We have United Health Care (The care plus package)

    Post # 10
    Member
    3677 posts
    Sugar bee

    @tampalove35:  Yes, definitely do! It varies from place to place, of course, and the availability of midwives is not always guaranteed, but by and large their individual fees are practically always lower than the doctor’s fee; if you give birth in a hospital, you will probably pay the same facility fee, but if you can do a birth center the facility fee is probably going to be lower; and as a general rule there are fewer interventions in midwife-attended births (although, again, this varies a LOT from one individual to the next) so on the financial side your costs can be significantly lower.

    That said: definitely do a bunch of research and see whether midwife care is a good fit for you. It would be unfortunate to try to go that route based solely on finances and then be frustrated because you actually would prefer a more intensive care protocol. (For the same reason, I would advise anyone thinking of a homebirth based on cost alone that it’s a terrible idea. There are wonderful reasons to choose homebirth and I am supportive of it in general, but you need to be a good candidate based on your health status and your personal philosophy of birth, not just because of the cost factor). If you are actively seeking a no- to low-intervention birth, though, look into midwifery options.

    Post # 11
    Member
    279 posts
    Helper bee
    • Wedding: February 2013

    @tampalove35:  I knew I would have to pay for a portion of my first u/s ( same coverage as with my first child) so I almost didn’t do it. But I decided I’d suck up the cost for piece of mind and that’s when they saw two babies! 

    The cost of an epidural was something I did think about although it’s not something most pepole talk about. I didn’t get one for my first delivery. There wasn’t any time for one with the twins and I was so glad. 

     

    Post # 12
    Member
    161 posts
    Blushing bee
    • Wedding: August 2011

    I had an epidural and after looking at my bill from the hospital, the epidural only cost $120. My insurance coverage was awesome and I only had to pay $300 total, but the insurance company was billed almost 19,000 (natural birth with an epidural). the insurance company covered the epidural 100% but $120 wouldn’t have stopped me from getting it If I had to pay for it out of pocket.  I wanted a med free birth, but after being in med-free labor for 26 hours, my contractions got super painful and I needed the epidural. 

    Post # 13
    Member
    13005 posts
    Honey Beekeeper
    • Wedding: June 2011

    We have decent plans I think, with a max out of pocket of 5-6k depending on the plan I pick.  while it would suck, it isn’t that a big deal.  Our prenatal care is covered 100%, so we’d just have to pay the delivery portion.  Cost will not be a factor in any decisions, that’s what we have the insurance for.

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