(Closed) Cost of hospital birth (United States)

posted 8 years ago in TTC
Post # 17
2567 posts
Sugar bee
  • Wedding: April 2013 - Rhode Island

I have United Healthcare Consumer Driven Health Plan (APWU CDHP).  It covers 100% of maternity costs for an in-network hospital birth.

Since we want to have an out-of-hospital birth, we will end up paying about $4000 out-of-pocket that we will get reimbursed through our PCA (personal care account, this is basically free money our insurance plan gives us each year to cover all expenses before any money comes out of our pocket).  So for us, we will most likely pay $0 regardless of our birth choice.  The cost of our plan is $101 on a bi-weekly basis.

Post # 19
1354 posts
Bumble bee
  • Wedding: April 2014

@jbbird:  6 years ago, the insurance I had at the time (United Health) only charged me an out-of-pocket expense of $250 for the cesarean birth of my son including an extra day or two of hospitalization due to problems with breastfeeding.

Post # 20
1599 posts
Bumble bee
  • Wedding: March 2012

My insurance is $250 for my entire labor/delivery and hospital stay, regardless of the type of delivery.  My pre-natal care was a $15 copay for my first visit and then nothing after that. My previous insurance it was $0 out of pocket.

Post # 21
1299 posts
Bumble bee
  • Wedding: September 2013

@jbbird:  I know, it’s amazing!  I forget the exact details and it’s through my husband’s work, but I think it’s somewhere around $250-280/month?  For us both.  Whatever the number is, it was a little cheaper than us both keeping individual plans.

It’s a Blue Cross HMO and we are in Massachusetts.

View original reply
@aliciapdx:  Hmm, this is interesting…

Post # 22
231 posts
Helper bee
  • Wedding: October 2015

@jbbird:  My friend, a government employee, paid less than 1000 (sweet deal! baby for only 1k??) for everything included. 

Post # 23
1166 posts
Bumble bee
  • Wedding: February 2014

I’m not targeting people on this thread but I find it funny that some people are shocked that a 2 day stay at a hospital + delivery of a HUMAN is $5,000 yet people drop $15,000 on a 1 day wedding without batting an eye Smile


Post # 24
8700 posts
Bumble Beekeeper
  • Wedding: May 2013

@skippydarling:  That’s pretty fantastic! I never thought of it that way! …The ideally safe passage of my kid into the world is going to cost less than the fancy scmancy honeymoon she was conceived on by 95%!

We have United Health Care, and an uncomplicated vaginal delivery is going to cost us $250.

We also paid $220 out of pocket for birthing classes, but our breast pump is free!

Post # 25
996 posts
Busy bee
  • Wedding: October 2012

@jbbird:  My deductible is $500 for a non complicated vaginal birth. Our annual out of pocket individual is $2,000 and family is $4,000. So if things go terribly wrong I’m pretty sure the maximum I’d be out of pocket would be $2,000 for myself and if they start billing for the baby right away then $4,000 total. All of my prenatal doctor visits have been covered 100%. I’ve paid $6-10 for my labs/urine tests (each).

Post # 26
102 posts
Blushing bee
  • Wedding: June 2012

Ours is $500 for the delivery and hospital stay and then a $25 copayment for the first doctors visit. They cover the rest. We are under my husband’s insurance at work. Not sure what we pay extra to add me on to the plan but I think it’s like 80 a month. 

Post # 28
3949 posts
Honey bee
  • Wedding: March 2012

@skippydarling: +1 

We spend 250.00 a day for up to three days then it’s free.  We also pay pretty high premiums.   

Post # 29
783 posts
Busy bee
  • Wedding: June 2011

I think we’ve paid a $30 copay to the midwife and a $30 copay for our 12 week NT scan to the ultrasound place and everything else is/will be covered at 100%.  I’m a state employee.

Post # 30
1480 posts
Bumble bee
  • Wedding: June 2012

We will end up paying about 2k when all is said and done. The cost is really around 4k but we get our deductible paid back by my husband’s company.

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