(Closed) Don't know How Americans afford to Have Children

posted 6 years ago in Babies
Post # 34
Member
1400 posts
Bumble bee
  • Wedding: June 2015

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alleycat1984:  I don’t know about you but I pay an msp bill once a month. It’s $125 for two people. If you multiply that by 12 and then that by the numbers of years you wait past 19 to have a baby, it adds up. Factor in that I have not nearly spent that money on doctors visita or X-rays or anything (I go to the doctor maybe once a year and have had an xray since I was 8)

Canadians may not get a bill in the mail but just to be clear, we pay for our healthcare. You’re paying to have that baby, just not in a lump sum. You’ve been paying it your whole adult life 😉

Post # 13
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5940 posts
Bee Keeper
  • Wedding: May 2014

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alleycat1984:  Insurance! I’m too old for babies, but after I pay $750 things are mostly covered. Ergo I have crummy insurance, but it’s still insurance!

Post # 14
Member
4687 posts
Honey bee
  • Wedding: June 2013 - Upstate NY

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alleycat1984: Your information is not accurate- not everyone has to pay for health care (out of pocket). If/ when I give birth, normal or c-section, will cost me $10. It’s called having good insurance 🙂

Post # 16
Member
4687 posts
Honey bee
  • Wedding: June 2013 - Upstate NY

But yes… our options for paid leave and the cost of daycare is a fucking travesty. I love being American but it makes me very angry that we do not support our women and babies like a “modernized” society should.

Post # 35
Member
9806 posts
Buzzing Beekeeper
  • Wedding: September 2013

I have good insurance through my company (it’s fantastic price wise if you’re on it alone, but more expensive to cover the family), so I haven’t really paid out of pocket for much yet (38 weeks here) other than about $200 at the beginning (a bunch of labwork).  But yeah, many people don’t have good insurance and if you don’t have good insurance you can pay a LOT.  People declare bankruptcy due to healthcare bills.  Healthcare is terrible in this country, although they’ve at least made some moves in the right direction. 

Maternity leave and coverage is even worse though IMO.  Most people only get the 12 weeks (if they’re at a big enough company) and that doesn’t have to be paid.  I’m lucky enough I accumulate vacation (I get a lot compared to most) and sick leave but some people only get 2 weeks of vacation per year and 1 week of sick leave.  Outside of my own leave, my company only offers 4 weeks of short term disability (partially paid), the other 8 weeks would be unpaid.  4 weeks is nothing!!  And I’m lucky my company pays for this short term disability, otherwise you’d have to pay for it on your own.

Post # 36
Member
3208 posts
Sugar bee
  • Wedding: April 2015

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bitsybee:  we’re in the same boat, but have 1 year mat leave and public healthcare. We just had this conversation last night, and put together a “before baby” checklist.

Even if someone has great insurance that covers prenatal and newborn health costs, I just don’t know how people afford everything else if they live in an expensive city. 

My sister is a professional, married to a surgeon, and even they had to move to the suburbs in order to afford a home and a nanny (so they could keep their jobs). 

I have major baby fever, and I’m happy that health care costs aren’t a concern for me, but everything else seems impossible.

Post # 37
Member
1722 posts
Bumble bee
  • Wedding: March 1998

It really varies between insurance companies. I’m under my husband’s insurance, which pays 100% of my prenatal appointments, delivery and postnatal care so long as my doctors are in-network, so not even a co-pay for me (it is a little annoying because MOST of the doctors are 20 – 30 minutes away). They *claim* to cover certified nurse-midwife deliveries in hospitals/birthing centers, but they currently don’t have any CNMs in network. If I went the CNM route, I would have to pay up to our deductible ($5k, in our case — we’re lucky), then 30% of every other appointment, the delivery, etc. Needless to say, it could easily be a $10k or $15k birth, so I’ve given up on having a birth with a CNM.

Hilarious, though, because my OBGYN is in the same practice as the midwife I wanted!

I can take optional birthing classes at my hospital — they range from $20 to $100, so nothing too bad.

My insurance covers one ultrasound unless another one is necessary for medical reasons.

Post # 38
Member
2843 posts
Sugar bee
  • Wedding: May 2014

My insurance paid every dime of both my pregnancies, including level 3 ultrasounds.

  • This reply was modified 6 years, 4 months ago by  NavyBee.
Post # 39
Member
90 posts
Worker bee
  • Wedding: April 2014

Maternity was completely covered under my insurance, and I was originally told there would be a very small co-pay for my delivery, but then I never received a bill at check-in, check-out, or in the mail. My son’s month-long NICU stay bills on the other hand? Still stressing me out 8 months later!

Post # 40
Member
810 posts
Busy bee
  • Wedding: October 2013

I have good insurance and pay $225 per month for just myself (family plan jumps to $550 but no limit on number of people/kids on the plan). My prenatal care is costing $500 and my hospital stay will be about $500. So right at $1000. I’m not sure what happens if I need a c-section though. It may not change, but it might change everything.

Post # 41
Member
3376 posts
Sugar bee
  • Wedding: December 2011

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alleycat1984:  I need to re-check on our insurance, but I’m pretty sure we will actually pay nothing for all pregnancy care and the birth.  At most it will be a couple hundred.  Now, this isn’t to say I think our insurance system works perfectly (I would much prefer a single-payer national healthcare system like what you, and really, most other developed nations have), but I wouldn’t say that “most Americans” pay all those bills.

Post # 42
Member
2346 posts
Buzzing bee
  • Wedding: November 1999

I am not even worried about the birth costs. I’m way more disturbed by the cost of actually raising a child for 20 years. THAT’S what I can’t fathom and how ppl afford 2 or 3 or 4 kids. If I had a family, we would all probably starve to death. I don’t see how in the heck it is even mathematically possible to live a normal life with multiple kids without going on welfare. And I worked to hard in college and to get a good job to be ok with going on welfare. Literally everybody my age I know that has kids has to borrow money from family, or stuck in the cycle of check loans, or is on some sort of welfare and they keep asking me when I’m having kids. I want to scream NEVER!

Post # 43
Member
15062 posts
Honey Beekeeper
  • Wedding: June 2011

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BeeG35:  Seriously!  My max out of pocket is $3500/year for insurnace and that’s a drop in the bucket compared to the cost it will take to raise the kid!  At over 1k/month for day care alone, if I was worry about paying for a birth, I should seriously reconsider the whole idea of having a child at all.

Post # 44
Member
2346 posts
Buzzing bee
  • Wedding: November 1999

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pinkshoes:  I mean I worry enough about expenses for my cat, let alone another human who can’t take care of himself. I have a feeling ppl who refuse to have car insurance (and sideswipe ppl like me) or who those friends who “borrow” clothes and such probably can’t afford the kids they already have but they will be the first to breed again.

Post # 45
Member
1172 posts
Bumble bee
  • Wedding: April 2011

I only paid 1 $30 co-pay for my first OB visit and all of the other dr visits, blood work, testing, and ultrasounds were covered at 100%.  My hospital fee would have been around $7000, insurance paid for all of my OBs fee and some of the hospital fees and I ended up with $1700 I think. Which is still a lot but it would have been a TON more.

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