Hospital Delivery costs

blushingbride_08

Those who have kids already, how much was your hospital bill for delivery and how much did you have to pay out of pocket? Mine was about 55k for a normal vaginal delivery and I paid 2,500 out of pocket after insurance. This time I'm expecting to pay 8k out of pocket after insurance.

LegalLadyBug

My oop max is $5,000. I didn't pay anything last time because I had reached my oop for the year but I think it was around 10k, maybe 15k. I've never heard of a vaginal birth being 55k, wow!

LegalLadyBug

My oop max is $5,000. I didn't pay anything last time because I had reached my oop for the year but I think it was around 10k, maybe 15k. I've never heard of a vaginal birth being 55k, wow!

LyndseylovesHugh

I had a c/s and I think it was around $60,000. I didn't pay anything out of pocket for the delivery, the only thing I paid was $17/day I was in recovery.

veetveet

Dear lord that is insane! I'm thankful to be Canadian and not having to pay a dime and having a year off following paid by the gov't.

dogperson11

We will end up paying $1300 deductible plus 10% coinsurance but we have a $3000 oop max, so I'm guessing it'll be $3000 that we pay.

veetveet

WhoCanItBeNow said:

veetveet said:

Dear lord that is insane! I'm thankful to be Canadian and not having to pay a dime and having a year off following paid by the gov't.

You pay more in taxes genius. 

Mine was $18k for a c-section, plus $5k for my OB, plus $24k for a relatively uncomplicated NICU stay.

Thanks for the clarification.... haven't lived here all my life and didn't know that....genius.

Still prefer to not have to worry about having to take out a second mortgage to have a child and having the means to stay home for a full year.

veetveet

WhoCanItBeNow said:

veetveet said:

WhoCanItBeNow said:

veetveet said:

Dear lord that is insane! I'm thankful to be Canadian and not having to pay a dime and having a year off following paid by the gov't.

You pay more in taxes genius. 

Mine was $18k for a c-section, plus $5k for my OB, plus $24k for a relatively uncomplicated NICU stay.

Thanks for the clarification.... haven't lived here all my life and didn't know that....genius.

Still prefer to not have to worry about having to take out a second mortgage to have a child and having the means to stay home for a full year.

$5-10k will buy a house there? Damn.

A second mortgage does not buy you a home... straight from the interwebz:

A second mortgage typically refers to a secured loan (or mortgage) that is subordinate to another loan against the same property. Second mortgages are subordinate because, if the loan goes into default, the first mortgage gets paid off first before the second mortgage. Thus, second mortgages are riskier for lenders and thus generally come with a higher interest rate than first mortgages.... blah blah blah

So yes, I prefer not to have to be out of pocket $10000 plus interest.

veetveet

WhoCanItBeNow said:

veetveet said:

WhoCanItBeNow said:

veetveet said:

Dear lord that is insane! I'm thankful to be Canadian and not having to pay a dime and having a year off following paid by the gov't.

You pay more in taxes genius. 

Mine was $18k for a c-section, plus $5k for my OB, plus $24k for a relatively uncomplicated NICU stay.

Thanks for the clarification.... haven't lived here all my life and didn't know that....genius.

Still prefer to not have to worry about having to take out a second mortgage to have a child and having the means to stay home for a full year.

$5-10k will buy a house there? Damn.

A second mortgage does not buy you a home... straight from the interwebz:

A second mortgage typically refers to a secured loan (or mortgage) that is subordinate to another loan against the same property. Second mortgages are subordinate because, if the loan goes into default, the first mortgage gets paid off first before the second mortgage. Thus, second mortgages are riskier for lenders and thus generally come with a higher interest rate than first mortgages.... blah blah blah

So yes, I prefer not to have to be out of pocket $10000 plus interest.

24karat

For DD the L&D bill was about $14,000 (we paid around $2,000) for an induction, vaginal delivery, and 2 day stay after her birth.

The twins were a $27,500 L&D bill for a scheduled c-section and 4 day stay. Our OOP max was $6,600 for the year if I remember right (if not it was higher) which we almost hit before L&D.

veetveet

MorseBrooks said:

WhoCanItBeNow said:

veetveet said:

Dear lord that is insane! I'm thankful to be Canadian and not having to pay a dime and having a year off following paid by the gov't.

You pay more in taxes genius. 

Mine was $18k for a c-section, plus $5k for my OB, plus $24k for a relatively uncomplicated NICU stay.

Of course we do - but it's a trade off I'll take for being able to go to the doctor whenever we want, and get the treatments we need without having to worry "Can I afford this?"  Breaking Bad would have been a super-lame show if it had based out of Canada



Granted the gov't doesn't give you a full salary on Mat/Pat benefits (leave is unpaid but protects your job, but then you apply for the benefits), and there is a maximum, but it's better than nothing and a lot of companies will top-up the benefits to have your salary closer to norm.

I love hanging around TB, and a lot of the topics have made me even more grateful to be Canadian.  (Not saying it sucks in the US of A - just saying I'm even more appreciative of my own country & it's health care system after seeing what you ladies have to deal with it in the States)

Amen.

PrimRoseMama

We payed 3K out of pocket. 10K total. May I ask why you want to know? Our expenses may not have anything to do with yours...

midwestFNP

A patient finance rep at my OBs office set everything up for us and cross-checked our insurance coverage. If the pregnancy continues to progress normally, we should only pay a little over $400 out of pocket total. This includes all prenatal visits, delivery, standard hospital stay, etc. I was very pleased with that amount, fingers crossed everything goes smoothly from here on out.

AndreaKae27

Depending on when my little bundle comes, I could be paying 4800 or 1200. My plan restarts July 1 and I'm due July 18th. I'd gladly take the 1200.

kcisthebombdotcom

5K for dd, 3k for ds. id also take the american system over canadian anyday. my kiddo started having silent seizures this year and i met a mom on a support group from canada whose kid was going through the same thinkg at the same time. my kid got all testing done met the head of neurology and was treated in less than a week. that process took her five months with the same outcome. id rather budget for those twice in a lifetime expenses than pay out the ass for goods and services anyday.

ghostof5letters

My c/s was billed at $55,000 and my max oop was $5,000

My health insurance was free through my last company, but we had a high max oop. I'm now on my husband's company and my max oop is $2,000. I'm thrilled. However, I was thrilled with $5,000 last time. Heck, $5k is way better than $55k

ETA: If you've gotta take out a loan for $5- $10k for a planned pregnancy...welp, that's just bad planning and just sad. Part of planning a pregnancy is looking at the financial costs overall and having the money to pay for the baby you're planning to have. 

MstoMrstoMom851214

Feeling even more fortunate after reading these responses!  I just found out last week from my insurance company that there is no deductible or oop for my delivery.  All I pay is $15 co-pays at my OB visits.  We were expecting at least $500-$1000 for delivery, so we're pretty pumped!

klafle3

I believe my bill was something like $8,500 for a med-free birth with a midwife in a hospital. My total out-of-pocket was $500, and insurance covered the rest.

Kondasa

At my intake appointment a few weeks ago they said I would pay $250 total for all prenatal appointment and a c-section. The entire cost billed to insurance was around $6000.... which doesn't seem too high compared to other hospitals. 

At my last pregnancy though they said the same thing and I kept getting bills after with additional services and equipment they needed to use in my situation that wasn't covered. In the end it was probably $500-$600 out of pocket.  

jgilesslp

Man I wish my delivery was only going to cost me that out of pocket!  I have a high deductible I have to meet first

marathonmommy82

Out of pocket for an emergency C and a 4 day hospital stay was $25 ... don't remember the total amount

megmarissa

I had a $1000 deductible so think with DS I paid a total of $340... my sheet says normal delivery is around $3400.

txcrystal80

Nurse said a natural birth is $2000 and C-sec is $3000. Then add on what ever the hospital bills?

missmiss307

Last time we paid around $600 OOP for my doctor and $400 each (co-pay) for the hospital. This time (different job/insurance) we should only have to pay about $200 OOP for my doctor and no co-pays for the hospital, barring any major issues.

SaranJonathan

Glad I have good insurance. I pay a one time 50 co pay that covers everything from visits, blood draws, u/s and labor and delivery at 100%

Caitable25

The only thing I had to pay for was my epidural. It was around $800. I don't know if that was the total or partial cost of the epi or what but that was the bill. My employer reimburses all out of pocket health care expenses so it ended up costing me nothing.

argonne

Kondasa said:

At my intake appointment a few weeks ago they said I would pay $250 total for all prenatal appointment and a c-section. The entire cost billed to insurance was around $6000.... which doesn't seem too high compared to other hospitals. 

At my last pregnancy though they said the same thing and I kept getting bills after with additional services and equipment they needed to use in my situation that wasn't covered. In the end it was probably $500-$600 out of pocket.  

You keep getting bills because that $250 you paid out of pocket just covered your prenatal care and your OB's services. It doesn't include things like the hospital room and board, OR costs, anesthesia costs, pediatrician costs, drug costs and the cost of whatever other services you encounter at the hospital. The costs you find out at your intake are only the costs for you OB's services at delivery and prenatal care. That's the only thing they actually know the costs of (most OB offices charge a flat global fee for this). The intake person has no idea what your actual hospital costs are going to be.

laurakaz13

We paid $0 for my vaginal hospital birth.  My insurance covered every cent. 

argonne

My birth with DS cost us about 3500 oop. I think we were billed a total of 14k for everything. This time, I have a bit better insurance, so should only pay about 2k oop, assuming I have a vaginal birth with no pain meds like last time.

DogfishHead

I paid nothing. Not a penny for a single visit or my c/s or my private room. God bless unions.

Loving the USA vs. Canada talk. Need some excitement up in here, there are not enough loonies posting on 1st Tri these days.