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

posted 6 years ago in Babies
Post # 61
169 posts
Blushing bee
  • Wedding: March 2013

My birth literally cost me $0! I have insurance through my work. And I think most US bees who “plan” have some sort of insurance.

  • This reply was modified 6 years, 4 months ago by  . Reason: I can't spell
Post # 62
760 posts
Busy bee
  • Wedding: August 2012

If you are unfortunate enough to not have insurance, then you are right. Prenatal care is astronomical. There was a time in America that pregnant women could not be insured if they applied for insurance because it was considered a pre-existing condition and therefore it was literally impossible to get coverage, but luckily the Affordable Care Act did away with that stipulation.

I will say that they do take you to the cleaners with medical care in America. I got a bill for $32 because my midwife showed me how to do a stretch for my sciatic nerve in my 12-week appointment- they put it under the category of “additional family counciling” and my insurance refused to cover it because it was “extra.” Had I known me saying to my midwife “Is there anything I can do for nerve pain?” was extra I would have just asked the physical therapist I work with free of charge.

Post # 63
2490 posts
Buzzing bee
  • Wedding: July 2018

I live in Canada and while I am completely grateful for our maternity leave policy, it’s still all not as amazing as it can seem. We don’t have free healthcare, we pay for it through our taxes. My husband is in the highest federal tax bracket and I’m in the second highest, and then we have another 10% for provincial. That equals to around 36-40% of our gross earnings.


Daycare where we live would run around $1,500-2,000 per month per child (cheaper if you go with a dayhome).


Being able to take a year off is amazing, especially knowing that your job is protected and it is expected to take that time. I’m always shocked though by the amount of people (especially women who are about to go on mat leave) who doesn’t realize that EI does not pay you all that much when you are off. There is a cap and it’s not very high.


We also don’t have the best healthcare. Some of our hospitals are in very poor shape, and we have ridiculous wait times for a lot of things.


So even though the US does not have the maternity leave system that we have (and I really feel for you guys who have to go back to work so soon!!), and they have to pay up front for healthcare, don’t always assume that Canada is THAT much better.

Post # 64
1192 posts
Bumble bee
  • Wedding: December 2012

I paid a $20 copay for my first CNM appointment only; then $20 copays for bloodwork and ultrasounds; plus 3 $40 copays to see the endocrinologist re thyroid; and finally, $500 deductible for the delivery and I am 100% covered after that except for copays.   So all in all, I would have to pay $620 if I didn’t have a thyroid condition, but I have to pay $840 because of the thyroid condition.  If I go overdue and need NT scans then I’ll have to pay another $20 per scan.  I don’t think that is too bad. 

Post # 65
557 posts
Busy bee

I have good insurance. I only have to pay $10 for ultrasounds, everything else is covered 100%.

Post # 66
318 posts
Helper bee
  • Wedding: February 2011

We have an HSA that my husband’s company matches up to $250 each month, and that combined with his insurance meant that we didn’t pay anything out of pocket.

I see lots of posts about needing to work for a “big” company in the US to have good insurance, but that’s not necessarily true. Yes, big companies typically have good insurance plans, but that doesn’t mean small companies don’t. My husband works for a smaller company (~250 employees) and he has better insurance than I do, as a teacher working for the state.

But typically working people in the US who are planning on having a family aren’t planning on spending thousands out of pocket.

Post # 67
1660 posts
Bumble bee
  • Wedding: January 2012

View original reply
a_day_at_the_fair:  I don’t think that’s an accurate assessment.  I think it’s pretty common that people pay a fair amount out of pocket. DH owns his own business and makes a decent living, but because of that we have to get individual insurance plans that will not cover maternity. We make too much to qualify for state health insurance, and to get on ObamaCare it would have cost almost $1,000/month for insurance that would cover maternity, which doing the math is basically paying out of pocket (or paying more if it’s an uncomplicated birth).  We have a high deductible on our insurance, but it covers 100% once we meet the 5k (we almost have already), and it will cover if there is anything that needs to be done to save my life during delivery, but we will be paying out of pocket. We are using a birth center to save money so it is $4k, but if there are complications we could be paying another $4-8k when it’s all said and done.

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Nguyen:  THIS exactly. We will be paying out of pocket because DH owns his own business and makes too much to qualify for state health care.  Since he is self employed (with only a handful of employees) we can only get individual healthcare which without the ACA doesn’t cover maternity (with the ACA it is MORE expensive to have insurance that would cover maternity than pay out of pocket for an uncomplicated birth).

Post # 68
2087 posts
Buzzing bee

View original reply
wandering_gypsy:  In my state (before Obamacare started) I applied for state funded insurance because paying for my own was just too expensive. They denied me because they said I make too much money, but then went on to say “it would be different if you were pregnant.” At the time pregnancy or having kids was basically my states line, and pretty much guaranteed you a spot on the state health plan if you applied for it.

Now with Obamacare, I suddenly was approved for the state funded health care even though I make the same amount as I did when I had previously applied. 

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