(Closed) The Cost to Deliver a Baby

posted 6 years ago in Parenting
Post # 3
Member
1245 posts
Bumble bee
  • Wedding: November 1999

@June232012:  Well it really depends on your insurance plan.  For example, some plans just have a co-pay, other plans do not and have a high deductible and you have to meet that before the insurance kicks in.  It also depends on if you have a c-section vs vaginal birth. Also depends on if your baby has to stay in the NICU or not.  So I don’t think there is an “average” cost.  I know of some people that paid around $1,000 out of pocket, while others paid in the thousands.

Post # 4
Member
769 posts
Busy bee
  • Wedding: April 2010

It totally depends on your insurance. You can call them to find out numbers. 

Post # 5
Member
485 posts
Helper bee
  • Wedding: December 2012

Please qualify your question…..  Because what I want to respond to your question the way you asked it is….. “about a billion dollars” or “it basically takes every available penny you have”.

Do you mean the cost of delivery?  That depends on your insurance and what your maternity coverage is…. that will vary widely by policy.  It also depends on if you have any complications.  I had a c-section 12 years ago and my out of pocket just for delivery and hospital stay ONLY was almost $6,000 with deductibles, “uncovered” expenses etc. 

You also have to factor in maternity leave from your employer. What is your benefits package?  Will you have a salary reduction for a certain amount of time?  Do you have to pay the entire (you + employers portion) insurance premiums durnig your leave?  Will you take unpaid leave?  Do you have enough leave to cover Dr visits etc for the first couple months or will some of that be unpaid as well?

Do you have a crib?  Are you buying furniture?  Strollers can be $30 or $300.  Diapers can be a couple hundred a month, easy.  Will you breastfeed?  That’s free, but formula is a couple hundred a month probably.  Clothing…. you can shop at Goodwill and get bargains or you can shop at high end stores and spend hundreds of dollars each week on clothing.

What kind of daycare will you use?  In home providers are usually the least expensive.  Daycare for 8 hours for an infant younger than 9 months in downtown Chicago is $500/week at a center.  A nanny is more than that.   

On average, I think the yahoo articles say it costs something like $350,000 over 18 years to have a child.  That’s probably the best answer.

Post # 6
Member
9142 posts
Buzzing Beekeeper
  • Wedding: November 2013 - St. Augustine Beach, FL

Take out your insurance card.  Call the number on the back of the card.  They should be able to connect you with a service rep that can give you a ballpark figure.  And it heavily depends on your insurance plan.  Cash money (without insurance) in our area is $5K-15K depending on whether you use a birthing center or the hospital and it goes up if you have a C-section or complication.

Also, you and your hubby should talk to HR at your companies to find out what programs are available.  I turned on my short term disability but I plan to bump it up to the highest rate before we start TTC so I can get paid during my FMLA.

Post # 8
Member
1306 posts
Bumble bee

I do not have kids, but from reading previous threads about this topic, it truly does vary.  For me, I have a high-deductible insurance plan.  So, I have to pay $4,000 out-of-pocket before my insurance kicks in 100%.  Don’t quote me on that, lol.  I think how it works is like this:  if delivery costs $10,000, I am responsible for 20% of the cost up to $4,000.  So, since 20% of $10K is $2,000, that is what I am responsible for – I hope.  Or, if delivery costs $30,000, 20% is $6,000.  I have a $4k out-of-pocket max, so I would only be responsible for $4K of that. 

I haven’t 100% researched this yet (clearly, with all my “I think” and “I hope.”)

Edit – In addition to this expense, my company does NOT offer short term disability.  They do through Aflac, but you need to purchase the policy BEFORE getting pregnant, and we can only enroll with my company’s Aflac discount program at the end of the year.  What if I have trouble getting pregnant?  It would not be cost effective for Darling Husband and I to purchase this unless I get pregnant asap, so we have to save our own money for my maternity leave.  This is why we are waiting to have kids – We need to save about $6K minimum for just these expenses :-

Post # 9
Member
1128 posts
Bumble bee
  • Wedding: November 2011

It depends on your insurance, I have good insurance through BCBS and everything is covered 100%. You will have to call and ask. I called 4 times just to make sure 😉

Post # 10
Member
3773 posts
Honey bee
  • Wedding: December 1999

My insurance covers everything. I don’t pay co-pays at doctors appointments or lab workups. And our hospital bill will be 100% covered. We are really lucky.

Post # 11
Member
485 posts
Helper bee
  • Wedding: December 2012

Here’s the other thing to remember…. that I didn’t think of and then got a surprise…… the pregnancy is all you…. just one of you (even though you are eating for 2!!!!!) and delivery with no complications is just you.

BUT THEN THERE ARE 2 OF YOU!!!!  🙂

So – if you have a deductible for each person – well that Pediatric visit that your bundle of joy gets on day 2 in the hospital…. that counts toward her OWN deductible, it’s not ALWAYS wrapped into delivery charges.  Which means if you have a 2.000 deductible…. it won’t cost you $2000, because now there are 2 of you, so it will be $4000 (if the cost is high enough to meet the deductible)!!!!!  I don’t know if that makes sense.  I just know that I had figured stuff thinking just me and then I got all these additional charges for my daughter.  and I was like, OH NO – hadn’t thought of that!!!!!

If you take family leave…. you can keep your insurance, but sometimes YOU have to pay the employers part of the premium…. so check that out.  Sometimes that can be QUITE expensive – COBRA, for example is the monthly cost of what you + your employer pay for your coverage each month.  sometimes that can be a couple thousand dollars for a month of leave.

Good that you have maternity leave – but check how much you get paid, sometimes it’s 60% of your salary for so many weeks, then 50% etc.  Also, you can take your vacation, but that will still count against  your FMLA time (as far as TOTAL time you can be gone).

It IS very confusing….. so ask, ask, ask.  Don’t feel bad about calling your benefits dept or HR dept every day with a question!

Post # 12
Member
9142 posts
Buzzing Beekeeper
  • Wedding: November 2013 - St. Augustine Beach, FL

@June232012:  Talk with your HR department, they will know how to advise you on maternity leave and annual leave; unless you have to take the vacation time I would save some of it since babies tend to be sick a lot the first year.  Most companies make you pay your premiums while on maternity leave in order to keep your insurance.  If that’s going to be a problem then switching to your husband’s insurance would be a good idea; however, most companies have rules about when spouses may be added or dropped from the insurance.  It’s usually 30-60 days from your wedding date or during the open enrollment period which comes once a year.

Post # 13
Member
276 posts
Helper bee
  • Wedding: June 2013

from an extreme end of the spectrum – i had severe complications and an emergency c-section at 36 weeks. i had a 4 day hospital stay and my daughter was in NICU for 3 days. total cost? over $40,000. thank the lord i didn’t have to pay anything out of pocket.

Post # 16
Member
485 posts
Helper bee
  • Wedding: December 2012

Typically, insurance kicks in after “delivery”….. so all the stuff in the delivery room, initial evaluation, APGAR score, cutting the cord, clean up…. etc is all on the *one* charge.  But once they get back to the nursery or your room, then they become their own person.

And it gets really complicated, because the baby won’t have their own “room charge” but they will have Dr visits and bloodwork and vaccines and stuff…. all that will happen in the 1st 24-48 hours.  So, depending on your insurance that can be covered, co-pay or co-insurance.

Also, stuff adds up that you don’t think about….   for example on like day 2 my daughter had some dry skin, so I asked the nurse about the patch of dry skin and I guess eventually *requested* some lotion (yes, lotion.  not magic potion….. lubriderm).  It was a “request” so it was charged on HER bill for $60.  Yes, $60.  For lotion.  For a baby.  Classic first time mom mistake.  So, that $60 wasn’t covered by insurance and it went toward HER own deductibe.  It’s stuff like lotion, extra baths etc that will add up.  I think you can just do your own bath with water from the sink and use your own lotion if you bring in your own stuff…. but if you have the hosptial do it, it’s a charge.

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