How Much is Baby Costing You?

Daneicy80 · September 2014

This is a spin-off from the changing doctors thread where people started talking about how much their doctors/insurance are charging them to have their baby.

So, how much do you have to pay to have this baby? Include any deductibles, copays, etc (not additional costs like diapers/clothes... just medical costs).

[Deleted User] · September 2014

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Daneicy80 · September 2014

Mine should cost a total of $20. The first copay of $10 that covers all prenatal care and then the $10 copay for actually having the baby (which is collected at my 6 week follow-up appt).

soulcupcake · September 2014

My homebirth this time is costing me $2100 out of pocket. Normal cost for my area is between $4000-4500, but my midwife offers a reduced fee for clients with my insurance.

I had three OB appts and two visits at a MFM practice, one for the Harmony test and the other for my A/S, before dropping dual care. No out of pocket expenses.

hellopartyof5 · September 2014

I had a $30 copay the first time and then I shouldn't have to pay anything at the hospital since it's in network. But TOPS I would pay $237

aeseager · September 2014

$30 co pay for lab work from first appointment and $30 co pay for a/s. I called my insurance and they said delivery/ hospital charges will be $150 co pay for me and $150 co pay for baby.

ETA: my sister had a baby last year and has insurance with a deductible and had bills close to $4000 for her and $4000 for baby. Not all insurances are created equal.

Serunatu · September 2014

0$

erien · September 2014

I'm confused by all these extremely low costs for delivering a baby. What about deductibles and coinsurance? I just had my son last year but don't remember the final cost. With OB, hospital stay, and anesthesiologist (epidural) I'm guessing close to $1000.

Eta: just looked up my and baby's bills from last year. Over $1500. I always thought I had good insurance and it isn't cheap. I guess there is better coverage out there but I still have no complaints about my insurance.

sbevann26 · September 2014

Zero dollars. @erien I know for myself the reason I'm not paying anything is beacuse I am in Canada. Others might be located outside of the US and that's why their costs are so low?

Daneicy80 · September 2014

erien said:

I'm confused by all these extremely low costs for delivering a baby. What about deductibles and coinsurance? I just had my son last year but remember the final cost. With OB, hospital stay, and anesthesiologist (epidural) I'm guessing close to $1000.

I'm guessing it's different based on what level/type of insurance you have. Luckily I don't need to pay for anything outside of my initial copay and the hospital copay. But my DH is a teacher and has really good insurance (which we pay handily for each month out of his paycheck).

JennaRaek · September 2014

Will cost me zero. I have awesome insurance and that's the ONLY reason I'm sticking out this job until after the baby is born. I don't get paid shit, but the insurance makes it worth it. We have a $1000 deductible but then we have deductible coverage so I pay nothing.

allfalldown14 · September 2014

My deductible is $950 plus a $20 copay at my first prenatal visit. Other than that it should be covered.

mc0113 · September 2014

$0

I also have great insurance that my employer fully funds and no deductible (in the U.S.). Plus, I also get $500 each year on a debit card to use for anything medical related as a part of our HSA as long as DH and I get yearly physicals that I can use for anything that comes up (from copays to bandaids) so I don't pay out of pocket.

AnonnAni · September 2014

I paid a $20 co-pay and that's it so far.. Which is $20 more then I paid to have my last two kids.

ginger514 · September 2014

$250 for the deductible, and I get my prenatals at costco, which is $20 every 5 months. I have much better insurance this time around (which is the ONLY reason I'm still at my job)...last time I had to pay my full out of pocket max of $5k due to my son arriving 6 weeks early.

AllTheTeaInChina · September 2014

Nothing. No copays and ins covers prenatal visits, labs, radiology etc at 100%. We do have a $5000 deductible/OOP max but DH's company deposits $5000 into an HSA every year. We have more than enough in our HSA to cover OOP expenses.

aksue22 · September 2014

My insurance cost estimator puts the number at about $1,140 for either vaginal or CS. This includes prenatal, facility fee, babies 1st pediatrician visit and post-partum visit for me. I was forewarned to check the status of the anesthesiologist at the hospital, as they aren't always in-network even if the hospital is.

AZMagnini14 · September 2014

$20 for prenatal. $500 for delivery.

momtoE25 · September 2014

Holy crap! My insurance must really suck. When it's all said and done, my prenatal visits, delivery and one PP visit will cost me $2200 out of pocket. After my $2500 deductible, I will pay 20%, but before it is met I will pay 80%. All US and bloodwork is 80% also until I've met my deductible. The worse part is that our deductible started over 9/1 so I had almost met my previous and had to start over again.

momtoE25 · September 2014

this+lullaby said:
Damn, everyone here seems to have amazing insurance (or live in a country where it's mostly covered - I'm in the U.S. and work for a small place). I'm still very grateful to have my insurance because God knows how much I'd be paying without it, but I will likely end up spending around ~$2100 in total for the hospital stay/OB fee for delivery/anesthesiologist (all in network) assuming I have a vaginal birth (and assuming anesthesiologist costs if I have an epidural). But I have 80/20 coinsurance and a $1000 deductible.

I also don't pay anything for my health insurance each year.

ETA that the baby's hospital stay/fees are included under mine, no additional costs.

Mine is the same except for the deductible. I do pay for insurance each month but not nearly as much as others so I guess that's one thing to be thankful for.

littleissa86 · September 2014

$0, including PNVs. We have Tricare since we are military, so all costs are covered with no deductible or copay. Since we get our prescriptions filled at the on-post pharmacy (which also gives out free OTC meds including my PNVs), there is no cost for any of those.

Edit: DH is military. Not me.

nopegoat · September 2014

My insurance doesn't cover maternity so we are paying everything OOP... so a lot.

kimba1976 · September 2014

So far about $50 in co-pays for this pregnancy. I expect it to be a total of $500 after we pay the miscellaneous lab fees and pediatrician bills.

When I went to my OB for my post-op check up after my c-section with DD I was told I needed to meet with the office manager. She took me into her office and told me that my insurance had denied all claims relating to the birth and that I owed approximately $30,000 to the hospital and the OB practice. (I had a rather complicated delivery that was actually two surgeries, so I assume most c-sections don't cost this much.) Anyway, I started laughing and crying at the same time and went home in a state of total despair because of course we couldn't afford that. After getting my HR department involved and appealing the claim, the insurance company paid, but it was a very stressful few weeks.

haleyusf · September 2014

Family deductible is $7300, so that. After deductible is met, it's 100% for the rest of the year (renewal is in July).

krystrist2014 · September 2014

About to switch insurances because when I got pregnant I was still covered under my parents' health insurance plan. Unfortunately, being covered under their plan was pretty expensive as they have a high deductible HSA plan and apparently while the changes made under Obama that allowed parents to keep their kids on their plans until 26yo apply to the insurance coverage, the change did not apply to the health savings plan, so all expenses so far have been out of pocket

However, once I switch over, all OB prenatal and postnatal visits are covered.

Cant wait! Now just crossing my fingers that my current OB is within my network!

krystrist2014 · September 2014

kdm06c said:

My insurance doesn't cover maternity so we are paying everything OOP... so a lot.

Damn that sucks!

ScarlettsMommy0515 · September 2014

$0! Love living in canada

krystrist2014 · September 2014

katehgee said:

About to switch insurances because when I got pregnant I was still covered under my parents' health insurance plan. Unfortunately, being covered under their plan was pretty expensive as they have a high deductible HSA plan and apparently while the changes made under Obama that allowed parents to keep their kids on their plans until 26yo apply to the insurance coverage, the change did not apply to the health savings plan, so all expenses so far have been out of pocket However, once I switch over, all OB prenatal and postnatal visits are covered. Cant wait! Now just crossing my fingers that my current OB is within my network!
It's good you're switching. I had a friend who found out the hard way that even though she could be covered under her parents' insurance since she was under 26, her baby couldn't be included so she was up shit creek without a paddle when her DD arrived.

Yep!! I had thought about that too because I was definitely paranoid about making sure that I was properly covered and that baby would be fully covered when I first got pregnant. It was time to get off my parents plan anyways... we really only kept me on it after college because it was a bigger pain in the ass to my parents to do the paperwork to take me off haha

abenson3 · September 2014

Start to finish about $2500. This includes MW visits, u/s as medically necessary, progesterone injections, delivery, and after care for me and baby.

nopegoat · September 2014

krystrist2014 said:

kdm06c said:

My insurance doesn't cover maternity so we are paying everything OOP... so a lot.

Damn that sucks!

-----------------------
Yea, but we knew what we were getting into before I got KU so we planned accordingly. I am on a decent payment plan with my OB, plus we get cash discounts so it's not *quite* so bad.

Mousy345 · September 2014

Zero dollars medical. Hooray for Canadian healthcare!! I've been really impressed with the level of care so far. My husband and I don't have any other medical insurance besides our provincal insurance plan. If I want a private room for recovery it will be extra, but I don't see why that is necessary.

I will be hiring a doula, so that is $600.

frenchy816 · September 2014

We have good insurance. All appoints with my MW have been covered, I think I paid $17 for something; can't remember what it was. As for delivery, the insurance company told me I will only be paying what is left after our deductible (or out of pocket max -- can't remember which one). In April that was about $1200, so less now. I haven't checked it recently.

jayellekay · September 2014

$50, and that is only because I was admitted to L&D for observation at 20 weeks due to suspected blood clots. Luckily all tests turned out to be negative, but $50 is my "ER copay", and my insurance considers L&D observation an ER visit.

That said, it's only that cheap for me because I have already met my out-of-pocket max/deductible for the year, long before I got pregnant in March. I was in the hospital for a week back in January for pneumonia (yay for being immuno-compromised...not!). If I had to meet my deductible with pregnancy stuff, I'd be paying approximately $1200 for this whole shindig.

Drgn30 · September 2014

$400 copay for delivery

Jessie333 · September 2014

I also live in Canada, so $0. There will only be a charge if I get a private room at the hospital.

LovesBooks · September 2014

$50 for labor and stay at hospital. That is it. Switched to an HMO once I got pregnant and they cover it all. Thank goodness my work's HR person had personal experience and told me the difference between PPO and HMO. Or else I'd be paying a lot more.

leoandethansmom · September 2014

Why did I open this thread? My family deductible is $4000. About $2600 was covered by the person who rear ended me in May when I went to the ER so I'm actually really thankful that happened. After the other $1400 is met I will be OOP for 20% so hopefully not too much more will be charged. I actually thought my insurance was ok but I'm seriously considering looking into other options now.

beachy6 · September 2014

We are paying 10% of whatever the final cost will be at the hospital. We already paid our 10% ($240) to my OB for her services at delivery. We've paid $20ish here and there for u/s.

However, after paying over $200k out of pocket over the last decade just to get this little lady here, this part is not a big deal at all!

weezy29 · September 2014

Sheesh, our monthly premium isn't cheap and it will still cost me $2750 to cover our out of pocket expense. DH company is self insured(whatever that means) which is the reason for higher deductibles/OOP.

When I had my daughter is paid a total of $200. That was greatness.

JunkieBrewster · September 2014

Nothing. I used up my co-insurance, co-pay and deductible limits with fertility treatments and remicade infusions.

That said, I met my co-pays etc quickly, but insurance has paid out over $200,000 this year and last for fertility treatments.

Daneicy80 · September 2014

beachy6 said:

However, after paying over $200k out of pocket over the last decade just to get this little lady here, this part is not a big deal at all!

Wowzers... over $200K!! I've always wondered about fertility treatments and their cost but I had no idea it could be that much. My SIL might need to go that route (they've been trying for a while and just went through testing) but I don't know how much insurance might cover or not. It's not something a lot of people talk about (at least in my circles).

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