(Closed) How much is it going to cost you to have a baby in the United States?

posted 7 years ago in Pregnancy
Post # 32
Member
2104 posts
Buzzing bee
  • Wedding: July 2011

My prenatal care and doctor’s portion of the birth is running us about $1,000.  Friends who have delivered at the same hospital that I will said their hospital bill was about $1,800.  With our birthing class that runs $200, it’ll be about $3,000 total. 

Post # 33
Member
551 posts
Busy bee

my copay for everything from start to finish was 500, My guy’s NICU stay also had a 500 copay but billed insurance 78k so not bad

Post # 34
Member
453 posts
Helper bee
  • Wedding: September 2012

I’m not pregnant (yet), but I have pretty great insurance compared to most.  We have a choice of insurance providers and coverage.  The insurance I had before changed its rule to them covering 90% of the cost and you paying 10% for in-plan doctors and 80%/20% for out-of-plan doctors, up to $1000 per individual or $2000 per family annually, then they cover 100%.  I changed to another plan where they cover 100% of most things, but don’t offer coverage out of plan. You have to go to doctors within their network.  That’s fine by me, as I’ve never opted to go to a doctor out of network anyway.  So yeah, the most it can cost me is $1000/year.  And my insurance including medical coverage, prescription drugs, disability insurance, and dental (even though dental is crap) is just under $1400 per year.  It’s pretty good, I think.

Post # 35
Member
1446 posts
Bumble bee
  • Wedding: May 2012

@SpecialSundae:  Just because they spend more doesn’t make it better or more efficient. As someone who spent most of her life uninsured, I can assure you our healthcare system is severely lacking. And I don’t think I would have the long-term complications I have now if I had been able to afford to see a doctor when I needed to. I don’t hear about that happening too much in other Western countries.

Post # 36
Member
144 posts
Blushing bee
  • Wedding: May 2010

It’ll cost me $250 for the delivery. Haven’t had to pay anything for prenatal visits.

 

Post # 37
Member
5009 posts
Bee Keeper
  • Wedding: April 2012

@ebet24:  I agree. I’m not a fan of the for-profit healthcare system. It was more to the PP who said they wouldn’t want to pay higher taxes to cover the sort of healthcare system that is run in Canada or the UK. 

Post # 38
Hostess
3367 posts
Sugar bee
  • Wedding: May 2013

GEEZ! After reading this I’m happy that we have the insurance that we do. All of my prenatal visits will be covered (when we decide to have a baby), and I think we priced it out to $250 max. 

Post # 39
Member
4801 posts
Honey bee
  • Wedding: September 2011

Right now my deductible is 2k and my out of pocket maximum (because insurance still only pays a portion of my bill AFTER the 2k dedutible) is 4k. Ugh. I wish we were more like Canada in regards to healthcare. In March I’ll have the chance to change my insurance plan, and since I’m due in late April/early May I’ll probably change it to something where I pay more but it’s a much lower deductible and out of pocket max cost.

And the kicker is, now that I’m researching hospitals/obgyns/midwives…my work insurance doesn’t cover the hospital I’d really like. And DH’s work doesn’t offer insurance. I might even see how much it would cost us to purchase insurance through Blue Cross Blue Shield or something compared to how much is being taken out of my paychecks for my current insurance.

Post # 40
Member
1476 posts
Bumble bee
  • Wedding: May 2012

I have Kaiser and all of my prenatals are covered. I think all I might have to pay for is a couple hundred for an epidural.

Post # 42
Member
720 posts
Busy bee
  • Wedding: August 2009

With good insurance, $100.  Thehospital billed our insurance about $14,000 but our insurance has a negotiated rate of about $5k so that’s all the hospital gets paid.

 

Post # 43
Member
1263 posts
Bumble bee
  • Wedding: September 2011

I live in Oklahoma and when we had our son in 2008, Darling Husband and I weren’t married yet and I was still on my mom’s insurance. Just for the delivery (c-section) it was $6000 plus $20,000 for two nights in the hospital. I had to pay $800 out pocket for that. Our son was in the nicu for two weeks and that bill was about $275,000. Luckily, Darling Husband has amazing insurance which our son was on from day one so we didn’t have to pay anything for that and I won’t have to pay anything for the next one(s) since I am on his insurance now.

Post # 44
Member
11231 posts
Sugar Beekeeper
  • Wedding: August 2013

I don’t have health insurance (haven’t for almost 10 years), and I won’t have it at my current job until who knows when, BUT I’ve been looking at their health plan. It says that in-network prenatal and postnatal covered 100%, delivery and nursery care covered 80% after deductible ($2000 for family) per calendar year (and both include care by a CNM, yay). 

Post # 45
Member
5474 posts
Bee Keeper
  • Wedding: August 2012

As long as I deliver at the health system who employs me, my total expense will be my specialty clinic co-pay of $75.  If I go to another hospital, then I pay 100%.  Jeeze, I wonder where I’ll have my baby…

Post # 46
Member
106 posts
Blushing bee
  • Wedding: November 2010

We actually have pretty good insurance, but our total out of pocket will be about $5,000, BUT I had complications and my son was 6 weeks early (in the NICU for 17 days) our total bill for the stay (before discounts and insurance) was almost $300,000. 

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