(Closed) How much did you pay for labor and delivery?

posted 4 years ago in Pregnancy
Post # 16
Member
356 posts
Helper bee
  • Wedding: October 2016

I will pay nothing, my insurance covers all hospital costs and 90% of my dr’s fees. My husbands insurance picks up the remaining. If I didnt have secondary it would only be $300, which is less than I was thinking it would be. 

Post # 17
Member
6241 posts
Bee Keeper

Wow – as a uk bee this thread is enlightening. 

We have good service through our NHS. It IS paid for though – we pay national insurance which is taken straight out of wages to fund it. But it is free at the point of use.

Some people have private health care plans too, perhaps as a perk through work but they don’t cover pregnancy.

im currently pregnant and in a group on Facebook with lots of American pregnant ladies. I’m shocked at how many tests are ‘standard’ and how medicalised pregnancy and birth is for them. It seems the medical industry is delighted when a woman is pregnant – so much money to be made. 

Post # 18
Member
440 posts
Helper bee
  • Wedding: May 2015

Out of pocket I believe was about $4000.  Without insurance I would have to double check, but probalby between $20,000 and $40,000. Vaginal birth in the US, hospital stay about 60 hrs.  Nothing super crazy!  

Post # 19
Member
3107 posts
Sugar bee
  • Wedding: March 2016 - Surfer\'s Beach, Grand Cayman

I’m in Canada so the cost was covered and my insurance paid for our private hospital room which is normally $250 per night. 

Post # 20
Member
618 posts
Busy bee

Not an American bee.

I’m starting to wonder why Americans have children at all

Post # 21
Member
943 posts
Busy bee
  • Wedding: September 2016

US here – labor and delivery is 100% covered by my insurance

Post # 22
Member
943 posts
Busy bee
  • Wedding: September 2016

View original reply
mohbestie :  That’s nice. Maybe because we want to start a family??? 

Most of the bees who have posted here have most or all covered by insurance. 

Post # 23
Member
2675 posts
Sugar bee
  • Wedding: September 2014

View original reply
hopefulfuturemrs :  what an awful situation for your friend and her family! Unfortunately, they’re not alone. That happened to a lot of women and families prior to the ACA (Obamacare.) The ACA prohibits insurers from treating pregnancy as a pre-existing condition & also requires coverage of prenatal/maternity care. 

Your post is extremely timely because a Congress is currently considering a Trumpcare plan that would eliminate protections for pre-existing conditions & allow insurers to exclude coverage for prenatal & maternity care. If Trumpcare passes, American families will once again find themselves in the situation your friend did- financially ruined for carrying a pregnancy to term. 

I would urge anyone who is upset by this to call their Congressional Reps & Senators and urge them to oppose Trumpcare. 

Post # 24
Member
469 posts
Helper bee
  • Wedding: September 2016

I haven’t paid for everything yet, but I had to pay an $850 “pre-pay” for by OB appointments and for the doctor’s portion of the labor and delivery. My deductible is $1,500 and then after that, I have 30% coinsurance. When all is said and done, I believe I am looking at paying between $3,000 to $4,000 out of pocket. I’m not looking forward to it, but my insurance through my employer is a lot better than my husband’s. I’d probably pay close to $8,000 to $10,000 out of pocket with his.

Post # 25
Member
2959 posts
Sugar bee
  • Wedding: August 2013 - Wynn Las Vegas

I paid 500$ total out of pocket. 

Post # 26
Member
9051 posts
Buzzing Beekeeper

View original reply
mohbestie :  because we want children. Same as anywhere else. Think about the people who pay for IVF out of pocket before they even get to delivery…if you want something bad enough most people will find a way to make the finances work. 

Post # 27
Member
577 posts
Busy bee
  • Wedding: October 2012

Labor and delivery for me was $100 out of pocket. We have really great insurance. I did end up with a c-section and the total cost was over $38,000.

Post # 28
Member
635 posts
Busy bee

About $15k last pregnancy out of pocket for a high risk pregnancy (a small portion of that was fertility surgery/drug related).  I probably received +$100k in bills before insurance.

This time it will probably be closer to $3000 barring anything extrordinary. 

These were planned expenses for us so it wasn’t a surprise or upsetting.  I also didn’t chose the most cost effective hospital in my area.  I know there is a hospital in my metro that will negotiate all inclusive flat payments for the uninsured that start at $6k for a vaginal birth. 

Post # 29
Member
378 posts
Helper bee
  • Wedding: August 2016

View original reply
mohbestie :  What a silly statement.

My best friend gave birth in Ireland (where it was free) and in America (where it was not free) and said the quality of care in America far exceeded the quality of care in Ireland.

I’d like to avoid an argument about health care systems, but I find it appalling that some non-American women question why Americans have babies in the face of expensive healthcare.

Post # 30
Member
618 posts
Busy bee

OP never stated she was just looking for replies from American bees.

My comment was tongue and cheek, but I guess I hit a nerve.

The topic ‘How much did you pay for labor and delivery?’ is closed to new replies.

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