Don't know How Americans afford to Have Children

posted 5 years ago in Babies
Post # 19
Member
3195 posts
Sugar bee

If I keep my same employer and do all the extra stuff – registrating with a nurse, calling him/her 3x during my pregnancy, and filling out questions then my cost will be $0 when I have kids.

Way to generalize…

Post # 20
Member
14899 posts
Honey Beekeeper
  • Wedding: June 2011

I’ve never not had insurance.  My max out of pocket is 3500 a year so with a decent paying job and savings, even if I had to pay that much, it wouldn’t be a problem.

Post # 21
Member
605 posts
Busy bee

Tell me about it. I’m gonna need to sell some eggs just to have a kid. 

Post # 22
Member
1867 posts
Buzzing bee
  • Wedding: March 2014

BeckyS0:  Yea, I agree that welfare is completely unfair to a certain point. I worked in a pharmacy for ten years and couldn’t begin to tell you how many people would hand me their public aid card and there was 4+ kids on there. And here I, and everyone else, was paying for all the medication for these kids that we had no fun making. And a good friend of mine who is now pregnant, spent years not getting pregnant even though she wanted to so badly, because they couldn’t afford to have one. 

Post # 23
Member
22 posts
Newbee
  • Wedding: July 2014

I am amused that everyone telling the OP that it’s not that expensive qualifies their answer with having a good job AND good insurance. In Texas, the poverty rate is almost 20%; the percent of people without health insurance is nearly 25%. And without the expansion of Medicare, hundreds of thousands fall into the gap of barely making it out of poverty (which is roughly $22,811/yr for a family of FOUR), making too much to qualify for the extremely limited Medicare in this state, working part-time jobs that don’t qualify them for employer-insurance, and still not be able to afford health insurance on their own. 

Yes, it is VERY expensive to have a child in the states. It’s almost cost-prohibitive. Child birth is one of the most costly “procedures” you could have, and that’s for an uncomplicated birth! Those of you who say you paid nothing or very little, did you look at the bills to see what it would have cost you without those expensive insurance premiums? It’s still a lot of money. Someone paid it, even if it wasn’t you.

And for the record, I am self-employed, paying $200+/month for my own private insurance with a moderately high deductible.

Post # 24
Member
2087 posts
Buzzing bee

If you’re lucky enough to have a good job then you have insurance that pays for it, and if you’re poor enough you can get state funded insurance. Its pretty rare that people are paying completely out of pocket for having a kid

Post # 25
Member
1019 posts
Bumble bee
  • Wedding: August 2014

I don’t think the hospital bill would be unsurmountable as long as you have good employer paid insurance, but the lack of mat. leave is rough. It’s nice to see that lots of ladies here have great health insurance, but that certainly isn’t the case for many people. Increasing numbers of people. Part time and contract work is the way of the future, enjoy your benefits while they last.

I think protecting one’s job for up to a year, even if it were unpaid leave would be a great improvement and a small step forward. 

As a self-employed person, I don’t think I’d stand a chance in hell of being able to afford insurance and be able to save for/take a few months off with a baby. I don’t really have the option of mat leave anyway, even with my EI enrolment. Grumble. If I had both stacked against me? I’d honestly have to reconsider my future. 

 

Post # 26
Member
14493 posts
Honey Beekeeper
  • Wedding: June 2011

I had my son in 1993, no insurance, and the whole thing cost $2500 without complications. Converted to today’s dollars that just over $3600. Having a baby isn’t that expensive without complications. I paid every dollar out of pocket. I even had a few extra tests because I was considered high risk and had a high risk specialist obgyn. I didn’t do classes, midwives, or anything else. I went to my regular appointments, didn’t have any issues to warrant an ultrasound, and stayed in the hospital 36 hours tops. A couple who was in our wedding paid cash last year to have their baby, it was $4500 total for them and she was high risk because of her weight and went to a private woman’s hospital. All of hers was also pretax because it was saved in a medical savings account. 

Post # 27
Member
1019 posts
Bumble bee
  • Wedding: August 2014

tksjewelry:  my girlfriend in Seattle paid $19k for an uncomplicated vaginal delivery. She and the baby were discharged quickly. Do you call around for rates? That seems like a hyuuuuuge spread! 

Post # 28
Member
14493 posts
Honey Beekeeper
  • Wedding: June 2011

turnanewleaf:  I’m in the Midwest. Less regulation. Tighter tort. Plus my doc (he’s still my doc and was my friends doc because I sent her there) doesn’t negotiate with insurance or govt keeping his payments level for everyone and he doesn’t do needless tests just to protect himself. Our hospitals don’t have to deal with the amount of poverty some states have to so they get paid more often per patient and they get paid from public assistance at higher negotiated rates because our poverty level is measured differently for public assistance (we don’t have expanded medicaid) . Those are just a few reasons. 

Post # 29
Member
9102 posts
Buzzing Beekeeper
  • Wedding: December 2012

In my mom’s first marriage it cost her 50 bucks total to have a baby. She was on Tricare (It’s a “specialized” health insurance offered to military service members & their dependants) and the only fee was a “room cleaning fee”, which was 50 dollars. Back when I was born (Second husband, mediocre health insurance) it cost her around 1,000 total to give birth in a civilian hospital.

 

A good health insurance will cover nearly everything that is “required”. My good friend paid out of pocket for a 3D ultrasound (This was when they were brand new) because her insurance didn’t deem it necessary. If it’s necessary, any health insurance policy worth its weight will likely cover it or at least the majority of it.

Post # 30
Member
9342 posts
Buzzing Beekeeper
  • Wedding: August 2012

I belive my maximum out of pocket is $500/year. I don’t think that’s bad at all. Many people do have decent insurance…

Post # 31
Member
1492 posts
Bumble bee
  • Wedding: January 2012

I think a lot of people saying they have free health care from an employer don’t look at their pay stubs. I also think the bee is a skewed perspective as most of us are a bit older, more established, and more middle class. Very few employers don’t make employees pay for at least part of their premium. I was paying 150/m and had 50$ copays for everY visit. Then I had to pay my deductible…$800 of anything outside of an office visit before Anything was covered….then! I had to pay 20% after…..and that was working at a private university with good coverage. Lucky me I lost my job due to funding in the new year and my pregnancy spans two calendar years so I have to pay my deductible twice(so another 1000 when baby is born then 10% of what’s left)and am now paying out of pocket for all premiums which are $300/ m. 

Post # 32
Member
2878 posts
Sugar bee
  • Wedding: May 2015

alleycat1984: FI and I are having an on-going conversation because it’s not clear if we’ll ever be able for afford kids. We both have demanding careers, so we’d need a nanny and 2bd/1ba ~900 sq ft places start at $1.2M US where we are. We definitely can’t afford to buy a house at the moment. 

I don’t know how people do it in my town, other than join Google pre-IPO (or similar) or invest in bitcoin at $13 – 33 / bitcoin. 

Post # 33
Member
4656 posts
Honey bee
  • Wedding: August 2013

I don’t know either, man. This is a major reason I don’t want kids, and it’s not just the pregnancy and delivery costs, but then you have daycare, and all the healthcare costs after the kid is born for 18 years, who knows what could happen, how can you ever feel prepared? I get anxious enough about my dog’s health and those costs.

And then you have to basically throw all your extra money (if you’re not rich) into whatever the kid needs and wants like sports uniforms/equipment, fees for music lessons, clothes that won’t get them beat up at school, eventually college tuition, and I know this stuff isn’t survival mandatory, but I almost feel like what’s the point of bringing a human into the world if the best you can do for them is “survival”?

And how do you make that choice, of what’s necessary and what’s not, of how far into debt you’re willing to go to give your kid an advantage or cheer them up, when your disposable income is so limited, and your child doesn’t understand how that works? When it’s just me and Darling Husband, we can eat ramen for a week to save for a vacation or the dog’s surgery or something and we understand what’s happening and why, we’re financially flexible because we’re adults. Kids don’t get it, you can’t ask a kid to make sacrifices, even if it only means giving up a luxury, if it’s a luxury they’re accustomed to. They won’t understand, they’ll think they’re being punished, they’ll end up with a complex… AAAHHH.

I don’t hold others to my own neurosis, but on expense alone, I can’t imagine having a kid with a combined income of less than like 75-80k per year. (I mean, my parents managed with waaaaaaaaaay less than that, but it was hard and they had a lot of debt for a long time. Most of their gray hairs are money related.)

Basically not having kids… and money is a big reason why.

 

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