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

posted 6 years ago in Babies
Post # 46
Member
1423 posts
Bumble bee
  • Wedding: May 2009

Here’s a link to an article in the NY Times on how the costs of giving birth in the U.S. 

Even if you have insurance, whay your insurance is charged is much higher than in other countries (because we in the U.S. may much higher rates for the procedures performed vs. the rest of the industrialized world.  Why?  Our government doesn’t regulate pricing.)  Of course, we all still pay for that in the form of higher insurance premiums.

http://www.nytimes.com/2013/07/01/health/american-way-of-birth-costliest-in-the-world.html?pagewanted=all&src=ISMR_AP_LO_MST_FB&_r=0

Post # 47
Member
509 posts
Busy bee
  • Wedding: October 2016

we are lucky we have insurance, the problem here ( I am in NJ) is the daycare, its freaking high!, sometimes one of the parent have to stay at home because its cheaper to stay home(if you make minimum wage) that pay daycare…

Post # 48
Member
7976 posts
Bumble Beekeeper
  • Wedding: July 2013 - UK

View original reply
bowsergirl:  “Although then I look at housing prices here and overall higher cost of living, and I am dumb founded as to how to afford these future children after we have them.”

It strikes me that… maybe we Brits just seem to want less, in important ways? Does that even make any sense?

I remember posting on here that I was worried about 2 relatives who were very well off indeed, had both had cancer, and were still working long hours past retirement age because they considered that they needed the money. My opinion was that they should retire and enjoy their remaining years, as they had both been very sick and might not have much time left together. Why waste their time working when they could afford to enjoy life instead? How to tell them this?

A lot of the hive basically said “don’t. It’s not your business if they want to work themselves to death to buy a yacht, or whatever”.

So then I went and got some advice from some British people IRL, who fortunately all agreed with me.

Cultural difference? Or maybe we just want less because we can’t afford more, LOL!

Post # 49
Member
1842 posts
Buzzing bee

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bluegreenjean:  I work for an ambulance department (closely tied with an IHS government run hospital) AND I am pregnant. I have insurance but it doens’t cover everything. Much like this article my first prenatal appointment was over $2,000! When I called to tell them that 1. there is no way in hell i can afford them and 2. There were a TON of unjustified charges that I was not willing to pay. They completely redid by bill it got reduced to about $400. that is a HUGE difference but had I had full coverage insurance I probably woudln’t have even looked at it and the hospital would have just gotten their $2k check from my insurance company. So silly. 

Post # 50
Member
8683 posts
Bumble Beekeeper
  • Wedding: September 2013

With my insurance from my job I would pay nothing. Also, we get a LOT of leave so most women are out for months and get paid. 

Post # 51
Member
4045 posts
Honey bee
  • Wedding: January 2014

View original reply
Rachel631:  Haha! Perhaps a bit of both! You all defintiely seem content with less, but that’s also because things are more expensive, and then with housing in the south at least, there simply isn’t enough space (to build more houses, have bigger houses, and space within the house to fill with things!). 

Post # 52
Member
3229 posts
Sugar bee
  • Wedding: August 2011

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alleycat1984:  Unless an American has no insurance whatsoever AND makes too much to qualify for gov’t insurance; majority of people do not completely pay for any of that.  I know some insurances do not cover 3D ultrasounds so women tend to pay for that but I went with a friend for one and she was only charged $100.  

Post # 53
Member
1138 posts
Bumble bee
  • Wedding: October 2012

Yeah, my insurance covered everything 100%. /shrug

Post # 56
Member
13905 posts
Honey Beekeeper
  • Wedding: November 1999

Actually, I pay for insurance that covers almost all of the stuff you mentioned in your post.

Post # 55
Member
8437 posts
Bumble Beekeeper
  • Wedding: April 2013

alleycat1984:  My husband has great insurance, so it’s really not costing us.  I’m lucky enough to be a Stay-At-Home Wife, so taking time off of work isn’t an issue either; however, I imagine it’d be hard to do with limited maternity leave. 

 

Post # 57
Member
1172 posts
Bumble bee
  • Wedding: April 2011

View original reply
alleycat1984: I think health care is so expensive in general because doctors and hospitals can pretty much charge whatever they want like one of the pp mentioned.  But we also have insurance to cover 80% (for example) of our bills so it doesn’t hit us as hard.  But you also get what you pay for.  In the US we generally are seen (relatively) quickly if we go to the hospital, we have private delivery/postpartum rooms (more often than not) etc. instead of being in a room laboring with a few other ladies after waiting hours to be seen.  I’m sure that isn’t always the case but that was the experience of a few Canadian mamas I know. And if we need to see a specialist for something we can get in right away instead of taking months to get an appointment.  I think there are pros and cons either way.

Post # 58
Member
3823 posts
Honey bee
  • Wedding: August 2013

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alleycat1984:  with my insurance, i think we will have to pay $1400. the hospital visit and delivery will cost around $20k i think. i am paying a really small portion of it when it’s all said and done.

Post # 59
Member
66 posts
Worker bee
  • Wedding: June 2012

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alleycat1984:  I heard that everyone who has a child in Canada gets a monthly stipend from the government each month until the child turns 18…seriously!?

Post # 60
Member
1019 posts
Bumble bee
  • Wedding: August 2014

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siempresoulmates:  CCTB, $100/m per child under 18 to “help with the cost of raising children.” Cute. I think it’s a little wasteful, tbh. I think more acce$$ible child care would be a more worthy investment, including affordable after-hours care for shift workers. 

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