I knew our health insurance sucked but this is truly shocking.
Our OOP cost for vaginal delivery WITH health insurance (includes monthly premiums, max OOP and copays): $22,580
OOP cost for emergency C with same coverage: $25,580
Our OOP cost for vaginal delivery WITHOUT health insurance, paid upfront in cash: $4,500 (includes my midwife, 24 hours in the hospital and all standard checkups and care for me and baby. Also includes catastrophic coverage for a NICU stay)
Our OOP for the emergency C paid cash: $ 7,500
No brainer! Goodbye, crappy insurance