(Closed) Cost of hospital birth?

posted 6 years ago in Pregnancy
Post # 3
Member
5670 posts
Bee Keeper
  • Wedding: August 2010

Some insurances will give you an estimate of coverage right online just to give you an idea. I have Aetna and used their website to get some information on the cost of a natural delivery or c-section and was even able to get different prices per hospital. I have to pay a 10% co-insurance up to $2,000 so I put that money into an FSA at the beginning of this year.

Post # 4
Member
7587 posts
Bumble Beekeeper
  • Wedding: December 2010

The most we will pay is $2500 regardless of what happens (vaginal, c-section, meds, etc) We just met with the billing woman at our office. She explained the cost of everything and what we would pay if we didn’t have insurance.

A normal vaginal birth at our hospital would normally cost $11,750 and that would be without meds. If there were complications and a c-section was needed, the top cost was $27,325. We almost died when we read that. So thankful we have insurance! 

Post # 5
Member
1434 posts
Bumble bee
  • Wedding: February 2010

My OB estimated vaginal with epidural to be $7,000 and c-section to be 11,000.

Our insurance covers 100% but with an annual $1,000 deduct which we’ve already met this year so we’re in the clear!

The only thing is, if I go on to be 42w, my deductible starts over. But, I told my OB this and she said she’d induce me before my deductible expired so that I’d have my birth while still in “this year’s” policy.

 

@Heatherloves: Does that 3k maximun include what you’ve paid thus far in doctor visits? That’s how we met our 1k already…because I had to pay for my first couple visits and my ultrasound out of pocket. But, i’m glad that the deductible is already met and we won’t have to worry about it anymore!

I’m not sure of my infant care insurance, so if he or she has to stay in the NICU, I don’t know if that’s covered entirely? Hope it never comes to that:)

Post # 6
Member
24 posts
Newbee
  • Wedding: July 2012

Wow! I couldn’t imagine paying to give birth in a hospital. I’m Canadian and a RN who works in Labour and Delivery and postpartum. I have done some research about the cost of birth in the US, and found that if you deliver with a Midwife it’s like 2x cheaper. Have you ever watched 

Pregnant in America? Or The business of Being Born? You would be shocked. 

Post # 7
Member
24 posts
Newbee
  • Wedding: July 2012

@TurtleDoves:  Try not to get ‘induced’ more than half of inductions end in c-sections, which your OB loves to do as they are paid more for them, and OB are surgeons, really good ones, not so good at the vag births as they have little control of the situation. 

Post # 8
Member
1434 posts
Bumble bee
  • Wedding: February 2010

@FuturemrsBas:  That’s an excellant point & omgosh trust me I am keeping that in the back of my mind. I am DREADING the thought of a c-section! I hope this baby just comes on time (fingers crossed). My mom was induced with my youngest sibling and he was removed by forceps and she had 3rd degree tears….so, needless to say I am terrified. 

Post # 10
Member
5428 posts
Bee Keeper

I am so sorry that I clicked on this!

I live in Ontario, Canada and hospital/doctors visits here are free with our OHIP coverage. I just can’t believe how expensive things are elsewhere!

Post # 11
Member
1434 posts
Bumble bee
  • Wedding: February 2010

@Heatherloveskenny:  omgosh that stinks. I was very glad to know I was due right before my deductible expired but Lord knows babies never come on their due dates. rats!

Post # 12
Member
144 posts
Blushing bee
  • Wedding: May 2010

Wow I hope I’m reading my insurance plan right! If so, I’ll just have a $250 copay. I’m with Kaiser and so far haven’t had to pay anything for my prenatal visits.

Post # 13
Member
7587 posts
Bumble Beekeeper
  • Wedding: December 2010

@baybee510:  I haven’t had to pay anything for my prenatal visits either. You just want to find out if you have a detuctible and what your max out of pocket is for the year. Kaiser usually does have a max out of pocket for all of their plans, unless you’re getting some type of private insurance. That’s usually where the costs come from. I’ve never heard of anyone having a co-pay for a hospital stay either.

Post # 14
Member
140 posts
Blushing bee
  • Wedding: October 2011

Holy Hell! You guys are talking in the thousands of dollars!? I paid $700 for all my prenatal care, delivery, and postnatal care.  That’s with AETNA.

Post # 16
Member
7587 posts
Bumble Beekeeper
  • Wedding: December 2010

@Heatherloveskenny:  My midwife charges $3k too. I was surprised by that cost as well. I also have Blue Cross. 

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