How much did you pay for labor and delivery?

posted 2 years ago in Pregnancy
Post # 31
Member
2443 posts
Buzzing bee

$0

My healthplan is great and I didn’t have to pay a cent for birth (which was over $27,000 thanks to a c-section and long hospital stay. I just had to pay a $20 copay at my first prenatal appointment. 

Post # 32
Member
3184 posts
Sugar bee

I think my little sister paid around $1500 out of pocket for all her appointments and birth, etc with insurance. 

Years ago when I had to get my own health insurance before Obamacare, I had the option to add maternity coverage for an additional $350/month. My insurance itself was $275/month. I didn’t have the cash as a twenty-something single lady to add the additional $350/month for a “just in case” so I went without it — I was only making around $30k USD / year. I had to plan to have a baby, because once you were pregnant, it was considered a pre-existing condition and I couldn’t then add that coverage. 

Post # 33
Member
3673 posts
Sugar bee

I think I paid about $1800 with a deductible of $500 and 20% coinsurance for a c section. Mind you, I left the hospital two days after my c section, so it may have been higher had I stayed the recommended time.

Post # 34
Member
995 posts
Busy bee
  • Wedding: April 2016

US here – Mine will be $0. I already met my deductible and max out of pocket for the year thanks to all my ultrasounds, so everything after that is 100% covered.

Post # 35
Member
834 posts
Busy bee
  • Wedding: June 2014

My out of pocket max was $6500 so I hit that between prenatal care and my hospital stay/babies hospital stay. Not cheap and we pay like $700 a month for insurance. It was definitely expensive to have kids!!

Post # 36
Member
935 posts
Busy bee
  • Wedding: September 2016

[content moderated for name calling]

And obviously you have struck a nerve – Americans have kids because WE WANT TO. Like another poster said, some couples pay thousands out of pocket for IVF, etc – so your comment was extremely insensitive. 

Post # 37
Member
831 posts
Busy bee
  • Wedding: December 2013

I’m in the US. I paid nothing out of pocket. I had csection and they billed insurance 54000.

Post # 38
Member
440 posts
Helper bee
  • Wedding: June 2019

wineandthings :  right. And what these non American need don’t realize is that their healthcare isn’t truly free. The government takes a large part of their check every pay day to pay for everyone’s healthcare. My company pays 100% of my insurance and I have a low deductible. I’d rather pay for just myself and keep my money in my paycheck. 

Post # 39
Member
1747 posts
Bumble bee

hopefulfuturemrs :  Ya… we’ll see how long that new law holds with our mysogynist of a POTUS….. barf. Using knee-jerk reactions about abortions to promote bills to defund planned parenthood. Uhm, you want to really nip this “abortion epidemic” in the bud, how about you stop going after our affordable prenatal/birthing/family planning options? You can’t take away women’s healthcare, put up stupid roadblocks like “preexisting condition” clauses, and then expect women to keep popping out babies that they can’t afford/raise. Having a child is not a walk in the park, it is a MAJOR physical act. And a C-Section is a MAJOR ABDOMINAL SURGERY. *rage rage rage* Someone needs to strap the labor simulators to these idiots heads and shock some damn sense into them… NO UTERUS! NO VOTE! 

Post # 40
Member
3114 posts
Sugar bee
  • Wedding: March 2016 - Surfer\'s Beach, Grand Cayman

JazzyGirl85 :  I’m pretty sure most non Americans understand that our healthcare is paid for by taxes. 

Post # 41
Member
1747 posts
Bumble bee

mohbestie :  I’m not understanding why other bees are getting so defensive – I understood what you meant. As a US bee who for awhile didn’t have ANY insurance, the most terrifying thing on my mind was getting pregnant.

For those bees who have never had that issue, or had insurance that fully covered those expenses, you have been very blessed. However, that is not the case for every woman in the US. We are on an online forum, where the vast representative of people are clearly more blessed than most, case-in-point just having the internet and a computer/smart phone to join in on these threads. mohbestie didn’t say US bees SHOULDN’T have children, she was just recognizing the additional stress some US bees have to overcome in an already very stressful time. 

Post # 42
Member
1179 posts
Bumble bee
  • Wedding: July 2015

US bee here. I’m pregnant with my first. At my first OB appointment we were given a form outlining expected expenses for pregnancy, labor and delivery. If we don’t come across any complications, we should be out of pocket $0. If complications I think there’s an 80/20 rule where we could be responsible for 20% of costs until we meet our deductible

 

Post # 43
Member
1192 posts
Bumble bee
  • Wedding: December 2012

We paid a $500 deductible the first time.  This next time will likely cost us close to $3000 ($750 deductible then 20% up to the $3000 max out of pocket) if it is a vaginal birth.  I think the birth cost about 15k before insurance.

Post # 44
Member
5826 posts
Bee Keeper
  • Wedding: May 2011

In the US paid $300, my husband’s company had excellent insurance (new job now). Had a vaginal delivery with an epidural, I think the hospital charged like $36k and the negotiated cost with the insurance was like $17k.

Post # 45
Member
219 posts
Helper bee
  • Wedding: August 2016

OMG is hard to believe that the US being such a developed country has that health care policy.

I live in Colombia – South America, I have a private insurance that my company pays so I would pay 0, but if you don’t have private insurance here we have a public health care system that cover pregnancy and labor.

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