(Closed) cost of childbirth…yikes!

posted 7 years ago in Babies
Post # 3
Member
1835 posts
Buzzing bee
  • Wedding: December 2010

@harmonyeee: uh oh – this scares me. I had a copay of $10 and when I called my insurance to specifically ask how much to expect to pay out of pocket they said they covered it 100%. I had my husband call as well and they told him the same thing…Is there any other way I could try to find out?

That really sucks for you. Although, even if we had NO insurance the birth for us out of pocket would be $3,000 so I guess even if insurance covers just 20% it’s doable…

Post # 3
Member
918 posts
Busy bee
  • Wedding: July 2011

One of the best aspects of being a military spouse – all prenatal appointments, labor and delivery, and post partum appointments are 100% covered. I don’t even pay a copay or for.my vitamins. I was talking to another navy wife who had to have an emergency c-section and her baby had complications so he was in the hospital for a month and they had to pay $25 out of pocket.

But, hubs will be deployed for a large chunk of my pregnancy and we’re considered lucky since he’s scheduled to be back for the due date!

Post # 4
Member
918 posts
Busy bee
  • Wedding: July 2011

@firsttimemom: How do you know how much your birth would cost without insurance? Did you already have your baby and I missed it somehow!?!

Post # 5
Member
5655 posts
Bee Keeper
  • Wedding: April 2011

Wow…. that’s crazy.

We’re paying out of pocket for my midwife, but our cost for complete prenatal, l&d, & postnatal care is only 3400 for her… We have a few other expenses for lab work and u/s but otherwise not too bad.

I just couldn’t imagine paying monthly premiums for health insurance and then STILL having to pay out of pocket for a “natural” part of life. sigh.

Post # 6
Member
1835 posts
Buzzing bee
  • Wedding: December 2010

@Navy_Wife: LOL no, our birthcenter gave us a “fee list” which listed the cost for an un-insured birth. This was just part of the general package they give to all of their patients and it also lists how much the genetic testing, blood work, etc costs if you choose to have it done.

Post # 7
Member
918 posts
Busy bee
  • Wedding: July 2011

@runsyellowlites: Do you have health insurance that will cover the costs if you have complications? Don’t mean to be a Debbie downer, but I’m a total”hope for the best, plan for the worst” kind of gal…

Post # 10
Member
288 posts
Helper bee
  • Wedding: November 2009

Out of pocket so far we have paid $3900 OB fee, Hospital pre-pay cash discount 48 hour stay vaginal delivery, $2450, Blood work $600, Pap smear/ lab $65. Our hospital and Lab was very easy to work with, they had a cash pay discount, lol, i am sure a insurance billed delivery would be somewhere close to $15,000. I have insurance, however it only covers complications on a case by case basis.

Request it in writing a statment of coverage ot benefits regarding maternity, they should be able to mail or email you that.

Post # 11
Member
7293 posts
Busy Beekeeper
  • Wedding: October 2011

Clearly the people making these rules and figures have never squeezed a baby from their vagina or had there stomach sliced open to bring life into the world.

Also the person making these rules must have forgoten how and from whom they came into the world from!

I’m not TTC , but I’m sure my numbers wont be pretty! Probably just go the midwife way, God Willing.

Post # 12
Member
1213 posts
Bumble bee
  • Wedding: December 2012

I feel so sorry for you mums in the US. In Australia the healthcare system covers the whole hospital stay, and any drugs and complications there. Medicare gives a rebate on all prenatal appts.

Post # 13
Member
5388 posts
Bee Keeper
  • Wedding: December 2010

I have the same insurance (I may have a different plan with my husband’s job). They will pay 80% for everything. I pay my doctor about $850 including my deductible. I also have to pay for 20% of postnatal care. The insurance company also offered us a book about being pregnant, a nurse hotline, and my husband’s job is throwing in a gift card to Babies R Us.

Post # 14
Member
106 posts
Blushing bee
  • Wedding: August 2011

I’m not TTC and can’t because we couldn’t afford it. I pay $200 per month for insurance. I have a $5000 deductible (yes that is a 5 with 3 zeros), but that doesn’t cover anything related to maternity so if I got pregnant, I’d have to pay the whole thing out of pocket as if I had no insurance at all. I have 2 children already and had those when I had much much better coverage. I had a horribly complicated vaginal birth with my son and then because of that, I had a c-section with my daughter. I can’t even imagine the cost of those births.

Post # 15
Member
5498 posts
Bee Keeper
  • Wedding: September 2010

I guess I feel lucky! My insurance pays 80% and after I meet the deductible they cover 100%. However, I am on my Husbands union benefits, too. So they will cover the other 20%. So afterwards we should pay very little after pocket. I haven’t paid any copays with my doctor visits yet, so I’m curious when or if I’ll get billed for those.

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