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

posted 7 years ago in Pregnancy
Post # 77
Member
356 posts
Helper bee
  • Wedding: June 2013

I’m American, and I have great insurance, so I have no desire to go to a socialized system where I pay more to support other people’s health needs. I’ve lived in the UK for five years and I’ve experienced the NHS – and I’ve been sorely disappointed every single time I’ve used them. Everything from doctor’s visits to hospital visits have always been a joke. No one cares about you, the doctors are less educated than in the US, and I swear the “junior doctor” handling me at the hospital was about 12 years old. Everyone is overworked and underpaid because the NHS doesn’t have nearly enough funds. 

I know this is going to spark a bunch of comments of those of you who disagree with me, but I’m just stating my opinion. And all those who say doctors shouldn’t profit from medicine? Of course they should. I’m more than happy to have someone be “rich” if they have the talent and power to save my life or the lives of those I love. In fact, I couldn’t think of any more deserving person to be “rich.” 

Post # 78
Member
13762 posts
Honey Beekeeper
  • Wedding: November 1999

It depends on your insurance.  I have fantastic insurance, and I’ve never paid more than a $10 copay to see any doctor or specialist.  I have had surgery at no cost, I have had special testing at no cost…  So, for me, $5,000 sounds really high, but it sounds like their insurance might not be so great, too. 

Post # 79
Member
752 posts
Busy bee
  • Wedding: October 2011

I also live in the states.  I am lucky and have excellent health benefits.

Even though I am have excellent benefits, I still believe in healthcare for all and am willing to pay higher taxes for it.  I am compassionate towards those such as artichokey who are generally hard working tax paying folks, but happen to have terrible benefits with no recourse due to the benefits their employer selects. 

What I will pay to have my baby on my insurance looks like about $225.  I do have $2000 yearly out of pocket max so if there are complications, etc, I have that safety net.

 

Post # 80
Member
367 posts
Helper bee
  • Wedding: June 2009

OP – I’m in the US and have pretty good health insurance through my employer.  It will cost us $700 total to have the baby.  That includes all prenatal care, labor, delivery, the 2-3 day hospital stay, and a home visit from an RN and lactation consultant.  My breastpump will also be covered.  And I set up a Medical FSA so this will be paid with pre-tax dollars.

 

Woo-hoo!

Post # 81
Member
658 posts
Busy bee
  • Wedding: June 2011

$0 When we do get pregnant 🙂 My husband has amazing insurance!

Post # 82
Member
5147 posts
Bee Keeper
  • Wedding: June 2011

I just got most of the insurance paperwork from my delivery in the mail this week.

 

Before insurance:

Doctor cost for prenatal care and delivery = $2700

Hospital costs (labs, hospital stay, etc) = $6429

Baby care costs in hospital, healthy baby no problems = $2403

 

After insurance:

Doctor cost for prenatal care and delivery = $378

Hospital costs = $190

Baby care costs in hospital = hasn’t been processed yet, not sure how much we’ll owe

Post # 83
Member
70 posts
Worker bee
  • Wedding: November 2011

In the US:

My sister works at a grocery store and just has her baby in July. She paid a 500 dollar copay for everything.

Even though I am married, I haven’t taken the time to be added to my husband’s insurance because my dad has pretty good insurance that will cover me until I’m 26, one more year. I just checked and our cost for having baby will be: 100 dollars. Yay. I am so excited for it to be so cheap. This includes everything: I made sure to ask about epidural and such, because even though I don’t want it, I might break down and beg for it. (: Also, it covers ICU if baby needs it and emergency c-section. I guess the only thing I might be paying for is if I have an “elective” c-section, haha; not going to happen. I am already too scared of needles, much less surgery I don’t “need”. (:

 

In general: I don’t know how I feel about completely government funded insurance, or medical programs. I guess I would have to experience the difference. It’s one of those things that everyone argues or opinionates but unless you’ve experienced both you can’t really tell which you would prefer. Plus, I have had family members have no insurance but can apply for MediCal and it covers everything. I think in California we have a great system, but again it’s because it’s the only one I know.

Post # 84
Member
334 posts
Helper bee
  • Wedding: February 2013

Coming from the perspective of someone who plans to adopt, I estimate it will cost about $20,000-$30,000 to have a baby. which is pretty terrifying.

Post # 85
Member
70 posts
Worker bee
  • Wedding: November 2011

@SweetDeeReynolds:  Where will you be adopting from? Is that an average estimate? That does sound scary.

Post # 86
Member
2695 posts
Sugar bee
  • Wedding: April 2010

I’ve seen some people say that their delivery will only cost a few hundred dollars.  You need to understand that you get a bill from your OB, the hospital, the pediatrician doctor when they come in and see the baby, anesthesiologist if you have any pain meds administered, the hearing test doctor will send you a bill and anyone else that sees you or the baby for other things while in the hospital.

So for me, my insurance pas 90%.  So all I had to pay for my OB is $81.00.  My husband thought that was all we have to pay.  But I double checked and clarified that no this does not include all the things I mentioned above plus any NICU, C-Section etc that could happen.  So we have no clue at this point what our final bills will be from each of the departments at the hospital.

FYI for those of you on BCBS they have a program called Special Beginnings that if you sign up for they will refund you $250.00.  Not much but every little bit helps.  The catch though is you have to sign up when you are in the 1st trimester. 

Post # 87
Member
1472 posts
Bumble bee
  • Wedding: November 2013

@starrynight:  I’m ok paying higher taxes (back home in NZ, although I don’t know exact tax rates so can’t guarentee they are higher. I do know the US government pays more than the NZ for healthcare though, and not universal – Japanese system works a little differently but still universal, and is separate from taxes).

Firstly, it means that I don’t need to worry about being screwed over by an insurance company. My choices have always been between me and my doctor (the government only funds), not me and an insurance provider. It also means that I can afford to change jobs as I want to, or start my own company without worrying about how I will pay for healthcare as someone with a pre-existing condition etc. It means that if I get REALLY sick, I wont get kicked off a plan for reaching a lifetime limit, and left without healthcare.

Moreso, as a teacher, I feel a universal plan is so important for the next generation. No child deserves to be denied healthcare, or have inferior healthcare, simply for having the audacity of being formed in the wrong uterus (i.e. a uterus belonging to somone in a lower income bracket). No child deserves to lose their parent, because their parent can’t afford health insurance.

It’s better for society as a whole. Nobody deserves to lose their livelyhood because they cannot access medications enabling them to work. Being a member of the working poor, where you cannot access public subsidised healthcare, but your employer doesn’t offer any, and you aren’t able to purchase it yourself, shouldn’t be a potentially capital offence (for example if you get cancer). People don’t deserve to die because they cannot afford see a doctor early enough. Nobody deserves to be uninsurable from the moment they hit adulthood because they happen to have diabetes.

So yes, I would be ok with paying more taxes (even though our proportion spent on healthcare is less, and actual amound per person is less than half of the amount spend by the government in the US), because I believe a healthy society leads to a productive society, and I don’t believe anybody, anybody, deserves to die or suffer poor health from their financial situation, or the financial situation of others, such as their parents.

Post # 88
Member
2116 posts
Buzzing bee
  • Wedding: October 2013

I’m not sure how much it will cost, but my insurance is pretty good, and my company also offers AFLAC on the side. So, AFLAC will actually pay ME while my primary medical insurance pays the hospital. I’m hoping it won’t be too bad in the end.

Post # 89
Member
1423 posts
Bumble bee
  • Wedding: May 2009

@farawayviolet:  Thanks for sharing! There’s a lot of fearmongering in the US about how bad “socialized medicine” is.  Meanwhile here in the US we have this lovely system where you can pay insurance premiums your whole, healthy life only to get financially screwed when you finally get sick — and we all get sick, in the end.  I would rather pay more in taxes to have insurance that will actually be there fore me when I need it. 

AND, depending on what state you live in, your income level, etc.  you might be paying more in taxes than you would if you lived in a country with universal healthcare.  Universal healthcare SAVES MONEY.

Post # 90
Member
5009 posts
Bee Keeper
  • Wedding: April 2012

@SupermarketGirl: You do realise that you can choose to go private, if you have such an issue with the NHS. There is nothing to stop you taking out private medical insurance if you are unhappy with what you’re getting.

Though almost all the top doctors working in private hospitals work for the NHS too. The difference is largely with waiting times i.e. I saw a top ENT consultant a few years ago and paid nothing (but had to wait a few months to see him for a non-urgent issue); I could have chosen to pay to be seen privately by the same doctor much more quickly in a private hospital. 

I’m not saying that there aren’t issues with the NHS (and no one is saying that doctors shouldn’t be paid) but no developed country should be allowing people to be bankrupted in order to receive medical treatment.

Post # 91
Member
189 posts
Blushing bee
  • Wedding: November 1999

Wow! There is such a difference between the amounts that people pay regarding healthcare/insurances etc. Has anyone actually delayed having children, or decided not to, because of this?

I am a big fan of the NHS despite the problems associated with it. I even work for the NHS (at a much reduced rate of pay then if I worked privately) because I really do believe in the system. Without the NHS my brother would not have had treatment for his brain tumour, my father would not have had his by-pass surgery and my mother would not have effective management for her chronic pain problems. Or they would have, but they would be bankrupt.

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