Post # 1
- Wedding: May 2014 - Paradise Gardens
How much did it/will it cost to have your little one(s) before/after after insurance? Also, if you don’t mind please include your location and whether or not you did a home birth, hospital birth, c-setion, VBAC, etc.
My Darling Husband and I are going to start TTC soon and we’ve been doing a bit of leg work/research before hand. We are really interested in doing an at home waterbirth. Yesterday, we went to our first Midwifery consultation (Eeek) and we were told about the difficulties they have with mainstream insurance companies (in Southern California). That being said we’ll have to fork out $5000 for their services and then get reimburst from our insurance after the birth–they will help with the billing/insurance process so that’s a plus! Since their out of network I’m guessing the reimburstement will be around $3000, which isn’t bad .
We plan on doing at least one hospital consultation and a few other Midwifery ones, but I thought I’d check in with you ladies about your experiences.
Post # 2
Canada – free. Sorry, I realize that isn’t helpful to your situation! Good luck!
Post # 3
BreezyBride24: I’m due in July, so I did an estimate through my insurance of how much it could cost.
I did a search for birth and came up with two results. They’re both from the same hospital (the one I’m delivering in). Can’t really be sure of what it includes, as there are no detailed breakdowns. I live in northeast US btw! Here are the estimates:
Normal vaginal Delivery:
You pay: $3,152 – Plan pays: $9,969 – Total estimated cost: $13,121
Normal Cesarean Section Delivery:
You pay: $4,087 – Plan pays: $14,055 – Total estimated cost: $18,142
Not sure how different the reality of things will be haha but I hope this helps!
Post # 4
I’m in the US (midwest) and I paid about $3k out of pocket (after insurance) for everything (vaginal birth, induction, epidural). I paid my $500 deductible and the biggest portion was co-insurance on the hospital stay (I think about $2k for us both, though most of that was mine). I have co-insurance until I hit my maximum ($4k I think). The rest was just some small stuff that added up (like lab work, etc). The US blows for healthcare and parental leave policies.
I didn’t pay much attention to the “total” before insurance because it was probably ridiculous. $10k? $20k? I had to go to the ER for 4 hours a month ago and it “cost” $6-7k before insurance.
For this one our insurance comes around in September so I’ll just max out my pre-tax contribution to healthcare (what is it…$2500?)
Post # 5
I would check to make sure that if you have a problem and need interventions that will be covered. I’ve heard stories where if you start with an out of network provider the whole think can be out of network. If you wind up needing a c section you could wind up with a 20k bill.
Post # 6
BreezyBride24: Thankfully, our military insurance covers the entire cost of prenatal care and the birth of the child. We do have to pay $50 out of pocket for the ultrasound to determine the sex (since it’s not covered through insurance) and the cost of any “unnecessary” tests we want (like the test to check for down syndrome and other chromosome issues) since we’re not high risk or have reason to suspect any issues.
Edit to add: We’re in Alabama, but this is the case for all military members/spouses across the US (as long as you use a network doctor and hospital). We will see the bill afterwards though. A few friends had babies last year and the bills were between 15k and 25k.
Post # 7
BreezyBride24: My husband has really great insurance through his job, and as long as we stayed in network, there were no costs that we had to pay out of pocket. If anything was out of network, we were responsible for the 20% coninsurance. I had a vaginal delivery.
We paid nothing, everything was covered, including prenatal care
Post # 8
I’m UK so free. I wasn’t aware that you had to pay in US. What if people can’t afford to pay? Do they deliver at home?
Post # 9
I have really great insurance through my work. I paid $250 to the OB, which was basically my deductible, and then everything else was covered.
Vaginal birth, in a hospital, 3 night stay.
Post # 10
First baby: North Carolina, PPO insurance through Blue Cross NC, normal vaginal delivery with epidural cost us $4700 after insurance. That doesn’t include the $500 insurance payments we had to make each month. Blue Cross was the worst.
Second baby: Southern California, insurance through the hospital Darling Husband works in, normal vaginal delivery with epidural cost us $200, which was actually what you paid at your first OB appointment. I even asked to be induced with cervidil ($2000+) instead of their normal routine of getting cytotec ($20), and the hospital approved and covered the cost.
Post # 11
My husband is active duty military, so with TriCare, we won’t have to pay anything since we are using an in-network hospital and doctor. We’re in RI now, but I’ll be giving birth in NJ in a few weeks.
Post # 12
American healthcare is a disaster. I’ve seen very large polls (like hundreds of women answering) on this same one you’re doing and answers are anywhere from $0-$7k (out of pocket, after insurance) for the most part. Some were even up to $10k (after insurance). High deductible, high out of pocket maximum plans I guess.
Post # 13
I was very lucky that my employer changed insurance providers in January and I’m due in June. With the new plan (as long as I stay within network), my hospitbal birth (no matter what kind) is completely covered. If you go out of network, you’d have to pay 30% of the total bill, so I’m staying in-network.
So far in this pregnany all I’ve paid was my original $20 specialist co-pay for my first appoinment. One of my coworkers had a baby in May and had to pay $3,000, so our timing worked out well.
I’m in Missouri and am considered a state employee.
Post # 15
Australia free. BUT we are 100% going private, top level cover will cover all of my hospital admissions, 4 days stay with hubby, labour, private room, choice of obstetrician and midwife ect and the cost can range for a birth 5-11 thousand. Which will be covered. The things that won’t are check ups, ultrasounds, pretty much anything that I’m not being admitted into hospital for. So we will have to have a look and find our perfect guy for the right price. They will also cover any issues with myself or baby if it should arrise. We pay 50 a week ish for just me on our health cover.