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

posted 7 years ago in Pregnancy
Post # 62
Member
6996 posts
Busy Beekeeper
  • Wedding: February 2011

I actually put in a call last week to my insurance company about how much we can expect to pay out of pocket. I have a $750 deductible and am expected to pay just that but since I’m due in January it is considered a new year so a new deductible. $750 x 2 = $1500 to have our baby…Hoping for a early arrival to save $750 ๐Ÿ™‚

Post # 63
Member
1342 posts
Bumble bee
  • Wedding: December 2012

Canadian bees, is it true that many people who live close to US borders will opt to come to the US for routine tests (MRI’s, etc) instead of having to wait for months in Canada?  This is something I’ve always heard in anti-universal healthcare debates but never figured out if it was true or not.

 

For what it’s worth, I believe when I have a baby, I will not have to pay anything beyond an initial $20 co-pay for my first visit.  

Post # 64
Member
5009 posts
Bee Keeper
  • Wedding: April 2012

@MrsJX3:  Just to put it into perspective, perhaps the US should be aiming for healthcare on a level with France (number 1 in the world) rather than getting into a pissing contest with Canada (who are still ahead of you in the tables but outside the top 25).

For all that the NHS gets a bad rap, the UK healthcare system is still ahead of both the US and Canada in the WHO rankings.

Post # 65
Member
2814 posts
Sugar bee
  • Wedding: March 2012

We have a $2400 deductable and anything after that is covered 100%.  So it’ll depend on how much of the deductable we meet before delivery as to how much we pay out of pocket.  Plus with that $2400, DH’s company pays 75%, so we only have to pay $600 a year out of pocket for all medical/dental/vision (we have no premiums).  

Post # 66
Member
1342 posts
Bumble bee
  • Wedding: December 2012

Yeah, I had no intention of getting into a “pissing match.  It was an honest question that I have always wondered about the validity of and decided this was a good time and place to see if it was true or not.  

Post # 67
Member
2849 posts
Sugar bee
  • Wedding: May 2012

My husband is a contract employee, so he doesn’t get any insurance benefits through his work. We pay for our own insurance through Blue Cross Blue Shield.

In order to add a maternity rider to your insurance plan, you can only add it in November before your new insurance year starts. Also, you can not add the rider if you are already pregnant. 

The rider for my specific insurance costs an additional $150 a month. There is also a $3,500 deductible that has to be met before BCBS will pay any expenses. That means that before they pay for anything, I will pay out of pocket at least:

9 months minimum with rider (assuming I got pregnant as soon as I added the rider, which is unlikely) – $1,350

Deductible – $3,500

Minimum out of pocket costs = $4,850

Do I wish we had universal healthcare? You bet I do! Oh, I forgot to mention that BCBS will only cover me for in-network doctors/hospitals. That means I have to go somewhere they approve of. 

Post # 68
Member
1144 posts
Bumble bee
  • Wedding: April 2012

My portion will be about $500. To be honest, I’m ok with paying for labor and delivery. My husband and I made a decision to have a baby, why should anyone else have to pay for it?

Post # 69
Member
9950 posts
Buzzing Beekeeper
  • Wedding: December 2012

TO FutureMrsJason:  & SpecialSundae: 

The comparisson to Canada is a natural one… primarily because of the proximity of our two countries, and so the issue is fairly well known in regards to some of the significant differences between our two Governmental philosophies (ideals)

I agree tho…

When it comes to Canadian Health Care we are far from ideal… like most things in Canada it comes down to the size of this HUGE Country (aprox the same size as ALL of Europe) and the fact that we have such a scant population (34 Million for Canada, vs say 738 for Europe / 311 for the USA or 65 for France… which size wise would fit into Canada 15x over)

Delivering any sort of services to our population base is a challenge because of how spread out we all are, and of course weather also oftentimes plays a HUGE factor (yes even in health care)

The majority of Canadians (about 75%) of us, live within a 100 miles from the USA.  And our country altho seperate is certainly influenced by our BIG Neighbour to the south.  With most of us holding a Passport, and travelling there at least once a year for some reason or another (be it business or pleasure)

Canadian Health Care is good to excellent IMO.  BUT there can be sometimes a “gap” between local availability and “current need” (knowing that medical needs are not always predictable)… be that in regards to Equipment or Medical Professionals.

To compensate this, Canadians CAN (and many do) choose to travel elsewhere for their medical needs in a more timely fashion.

For the most part, this is done within our own country…

Example, if you need an MRI or a Knee Replacement, and discover by checking on-line that the “wait time” is shorter in the next city (knowing that for most of us our cities are 2 to 8 hours apart) then you may opt to seek care in that location.  Healthcare being easily transportable within the same Province… a tad more difficult out of Province (but still do-able)

Depending on the procedure… wait times for these “elective” situations can be short, moderate or extreme depending on demand.

Example… Currently in Ontario the average wait time for a Non-Critical MRI is 86 Days (the Provincial Target is 28 Days or less).  In Ottawa (our National Capital) and an area that encompasses aprox 1 Million Residents, and having 3 major Hospitals… the current numbers are a LOW of 69 Days and a HIGH of 130 Days.  Meanwhile in Toronto (our Provincial Capital) and aprox 500 Kms (5 Hours away by car), as a much larger city, with an area that encompasses aprox 5.5 Million Residents, and having 10 or so major Hospitals… the current numbers are a LOW of 41 Days and a HIGH of 124 Days.

Part of the difference between these two regions, is Toronto is situated in the most highly populated area of Canada (the Golden Horseshoe that arcs around Lake Ontario).  And within that area there are several major cities… all with Hospitals.  So places aren’t that far apart.  People can find services in a variety of places if need be.  Eastern Ontario is less populated, but that also means that there are less Hospitals, and the needs of a wider rural community must me accounted for too… with many of them having to come into Ottawa for more specialized services (not a big need for a layout for an expensive MRI Machine in smaller towns… such items being found in our Bigger Regional Hospitals)

By Contrast the US has a bigger population base, and the cities are also closer together, so more facilities overall.  Not to mention that with the “costs” incurred for using an MRI as a US Citizen is either off-set by the Patient’s Insurance or there is a cost personally (the latter means people will “reconsider” their need for an MRI vs just getting it done).

The fact that EVERYONE who needs one here gets one (but may have to wait for it) means that there is NO natural “hestitation” of getting one like there might be in the USA.  Our MRI machines are heavily used consequently.

Critical and Urgent needs will always TRUMP elective… so that is why there is a wait list also.  If you truly NEED something in Canada you go to the front of the line.  Each and EVERY patient goes thru a NEEDS EVALUATION whenever you go and seek Medical Help.  Money or social position doesn’t get you a place at the front of the line… just need.  (This is what socialized medical assistance is all about… equality for all)

Just as some Canadians elect to visit another Canadian locale for faster service for something that is elective or not deemed urgent.  With the US Border so close, others who have the money, and don’t mind spending it just decide to go there

It is complex to describe / explain our Medical System, I hope my explanation gives you the gist of it

Personally, our Medical System has NEVER let me down.  And I’ve been utilizing it now since 1966 when it came into being.  I find it fair and equitable, and get good care as far as I am concerned… be it for myself, my children or my Elderly Parents.  Wait times have never really bothered me, because quite honestly I’ve rarely been in a situation (or have my loved ones) where I’ve had to wait what I would see as an “unreasonable” amount of time.

Hope this helps,

Post # 70
Member
1342 posts
Bumble bee
  • Wedding: December 2012

@This Time Round:  Thank you!!  This is a great explanation.  ๐Ÿ™‚  Healthcare is a giant topic of debate around here so when people bring up Canada, I never know what to think.  I appreciate you taking the time to explain all of that.  That all makes a lot more sense to me.  

It’s all very interesting, that’s for sure.

 

Sidenote:  I see you are getting married in December, I am too!  I hope your preparations are going well.  ๐Ÿ™‚

Post # 71
Member
5009 posts
Bee Keeper
  • Wedding: April 2012

@This Time Round:  Sorry, I didn’t mean it to be a slur against the Canadian system, but I believe that we should all be aiming for the best in healthcare (and education) if nothing else.

The Canadian system has a good reputation, as far as I’m aware.

Post # 72
Member
118 posts
Blushing bee
  • Wedding: September 2012

I have an HMO, and luckily it’ll cost me $500 for labor and delivery no matter what! I love it! I have friends who have to go to certain hospitals and pay upwards of $2k and I feel very lucky!

Post # 73
Member
9950 posts
Buzzing Beekeeper
  • Wedding: December 2012

TO – SpecialSundae:  All is well… I didn’t read it as a “slur”… I saw it for what it was… factual info on who has the most quality program.

As I said, as Neighbours when it comes to things, us Canadians & Americans usually just raise our heads and look across the Border to get another perspective.

 

Post # 74
Member
5009 posts
Bee Keeper
  • Wedding: April 2012

@This Time Round:  I’ve always preferred Canada, possibly something to do with being Scottish. ๐Ÿ™‚

Post # 75
Member
9950 posts
Buzzing Beekeeper
  • Wedding: December 2012

TO – FutureMrsJason:  You are welcome… also I should add, BECAUSE health care is something we don’t have to think about in the same way as our US Neighbours, it is far more a “natural” part of one’s day to day life… with most Canadians getting regular check ups etc.  So PREVENTIVE MEDICINE goes a long way in our overall health (and in the long term towards our Life Expectancy Rates here as well).

Wikipedia says that Canada’s currently ranked # 13 in the world (Current Average for a Newborn is 80.7 Years… or aprox 78.3 Years for a Male and 82.9 Years for a Female)

http://en.wikipedia.org/wiki/List_of_countries_by_life_expectancy

Interesting France outranks us slightly, taking the # 12 position (their women live a little over a year longer than ours).  Also of note, is that ALL of the countries listed in the top 10 have Universal Healthcare (as does the UK, New Zealand and Norway which sit in spots # 14, 15 and 16).

Beyond that, most of the countries from there on out, don’t have any sort of Universal Health care.

Of Note, the US sits in position # 38, with a National Average for a Newborn for a Life Expectancy of 78.2 Years on Average… or aprox 75.6 Years for Males, and 80.8 Years for Females.

I strongly believe that as one of the super powers in the world (and therefore an attractor for Educated Individuals… Medical Industries, Research & Investments) that if Universal Health Care was offered to ALL Americans, then the US would jut right on up the list… this would be a good thing for the country overall IMO. 

Hard to argue that living longer and a BETTER Quality of life is a “bad thing” IMO

 

Post # 76
Member
356 posts
Helper bee
  • Wedding: June 2013

@basketballwifetobe:  I agree with that comment completely. I’d never expect my government or other people’s tax dollars to fund my pregnancy or delivery! 

The topic ‘How much is it going to cost you to have a baby in the United States?’ is closed to new replies.

Find Amazing Vendors