What's this gonna cost me???

m_ann87@yahoo.com · August 2012

Hey ladies, so I haven't asked my hospital yet. What's the average rate for a natural hospital birth?

Celyn · August 2012

https://transform.childbirthconnection.org/resources/datacenter/chargeschart/statecharges/

Jcrab · August 2012

Celyn:
https://transform.childbirthconnection.org/resources/datacenter/chargeschart/statecharges/

Interesting site, thanks for sharing!

AmyRI · August 2012

Celyn:
https://transform.childbirthconnection.org/resources/datacenter/chargeschart/statecharges/

You don't happen to know if this includes the hospital stay after the actual birth? (for example, is the cost difference between vaginal vs cesarean based on actual cost of birth or is it just that c/s deliveries can spend up to 5 days in the hospital postpartum and vaginal generally only 2?)

NoeliaV · August 2012

It varies so much, I think you should just call your hospital and ask for the various scenarios and costs. Also, be sure to get your OBs/Midwife's fee from your office, because that will be in addition to the hospital's costs.

My insurance has a feature on their subscriber's website where you can compare procedure costs between various hospitals, so maybe check your insurer's site?

MrsAlliP · August 2012

That chart is interesting... Fairly close to what was billed (not including insurance stuff) for a natural birth.

My sister delivered at the same hospital but had an induction, extremely long labor, and epi. My itemized bill from the hospital for everything was around $7,000. Her itemized bill from the hospital was around $17,000. She had medical concerns that led to an induction at 39 weeks so it is what it is. It is what it is, and she actually paid less than I did with differences in our insurance coverage.

Celyn · August 2012

Amy, it's my understanding that it includes the stay, but not anesthesia or newborn care charges. The national average (median) length of stay for a vag delivery is 2 days. For c/s, it's 3 days.

LiebeMama · August 2012

Hmm, very interesting. Sounds about right though.

drpayne · August 2012

MrsAlliP:
That chart is interesting... Fairly close to what was billed (not including insurance stuff) for a natural birth.
My sister delivered at the same hospital but had an induction, extremely long labor, and epi. My itemized bill from the hospital for everything was around $7,000. Her itemized bill from the hospital was around $17,000. She had medical concerns that led to an induction at 39 weeks so it is what it is. It is what it is, and she actually paid less than I did with differences in our insurance coverage.

You really can't use this info if you're comparing to someone without maternity insurance. What was on the bill (or EOB) isn't what they would bill a private pay patient. My initial hospital bill was ~$12,000 (just for my part... so not including the bills for the anesthesiologist (not part of original plan!), care for DS, OB cost, etc). Once they found out I didn't have insurance to cover anything, they knocked my portion down to like $3500. That's why you really need to call around to make sure you're talking about the same thing. Also, we signed a waiver to leave after one night so it probably would have been more had we stayed longer.

RockyMtnMama · August 2012

My first hospital birth with one-night stay - no pain meds was $8000 if I had to pay out of pocket. After negotiated insurance rates it was $3300 and then I paid a deductible of $1500ish.

However, then the midwife/OB also charged an additional $2800 for prenatal and labor/delivery care that was seperate. After my 80/20 payment plan I paid about $560.

Finally, the baby was on a different insurance (and deductible) and it's hospital bill after negotiations (in-room, ped care a little, but no nursery or interventions) was around $400 - we had to pay it all since that was toward the deductible.

Total I paid out-of-pocket around $2400-2500 to cover my deductible, my 20% after deductible, and our kid's deductible (or part of it).

-------------------

Conversely, a friend was under an HMO and had interventions and NICU stay (2-days only) for her daughter at the exact same time and she ended up paying $250 for her whole stay and $100 for the baby's stay so it really depends on your hospital and insurance plan.

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