How much are you paying for the birth?

Unknown · February 2015

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nofrogs · February 2015

But people who are really poor qualify for Medicaid. Under that plan, women deliver for free, and have no deductible or copays for anything the whole time they are pregnant. We are funding an HSA, so while we don't really have 5-6k in cash for our portion right now, we will by the the time the bill comes a month after the birth.

lilp2015 · February 2015

Luckily my OB does not charge for visits while I am pregnant $:\$ "> Not sure what the delivery will be.

castlec3 · February 2015

My out of pocket max is $1500. Between. Doctor visit and delivery, we will reach that.

brizzle23 · February 2015

Washington, paying nothing because my insurance is paying for the whole thing

candace3308 · February 2015

We have Tricare Reserve Select. Prenatal care is costing nothing out of pocket. I expect the hospital bill to be very low.

myspecialkid · February 2015

We have a HDHP and our deductible is $5500 and we're responsible for 20% of the cost. I already had to pay $2500 of our deductible due to my visit to the ER. I told DH we need to have at least $5000 saved. DH should have $1000 in his HSA by the time I deliver. This is all assuming a natural birth.

alligirl1119 · February 2015

Same here!

prettyesq08 · February 2015

Omg. You ladies are making me realize just how blessed I am. I live in Atlanta. Things are pretty expensive here but I have great insurance. I paid only $15 for all my prenatal care. The total cost for delivery will only be $400. It's the same if you choose a birth center or a hospital.

kjplus1 · February 2015

I'm having all of my prenatal care and birth with a cooperative of doctors and midwives and I'll also have a doula. I'll pay absolutely nothing. I live in Canada.

bpv101283 · February 2015

Madisonpenny said:

bpv101283 said:

Madisonpenny said:

bpv101283 said:

I believe people should have free healthcare. But if you don't have $500 - $1000 in your bank account than you probably can't afford a baby either. Just sayin.

Are you sure you want to go down this road?
Go down what road?

That someone who doesn't have $500-$1000 in their bank account shouldn't have children.

Oh please. Shouldn't have children and probably can't afford children are two entirely different things. Babies cost money. Read into it as you will, but no ones healthcare is paying for diapers, clothes, toys, rent and utilities.

melco19 · February 2015

Nothing here. I'm from Canada.

TeamHayes · February 2015

Nothing Same for my first two sons

aig2011 · February 2015

In texas.... With first I met a $500 ded then paid 20% for drs an hospital. Added up to $3000. This time it's a $600 ded then we pay30%. so we shall see layed when I get my qdrs price an hosp charge before delivery
also stayed an extra day at hospital since son was a lil jaundice

rachel4733 · February 2015

I just started an HSA this year (of course) so I barely have any money in it...I have a $1500 deductible and then pay 10% after that, up to a $2500 out of pocket max. I have already put $500 toward my deductible so far this year. I have some pre-existing health conditions so my husband and I decided to leave our health insurance separate after we got married last year (he is healthy as a horse and would never help me meet my minimums). Thank GOD because instead of a $1500 deductible and $2500 our of pocket max, he would have almost doubled both of those. Just wish I had known I was gonna get pregnant and I would have upped my short term disability insurance to 100% for only $100 more a year.

Unknown · February 2015

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bpv101283 · February 2015

Well you don't live here, so maybe you don't know that if you have to count your pennies to go to the ER there are programs to help pay for medical care. Yeah it sucks for Americans to have to pay out of pocket for things, but the new laws have tried to make it so you don't go broke and everyone is required to have insurance. I'm not going tit for tat with you, as someone mentioned earlier, Canada has higher taxes and much better security nets for its citizens. Unfortunately the healthcare law that made it in the US was a skeleton of what it was supposed to be and has flaws. I would gladly pay more taxes to have universal care, but we don't. So people need to take that into consideration when they have no savings. Ok? And as parents we need to be responsible. A lot of women in this board have made sacrifices to have children, have looked at finances to become stay at home moms, take extended maternity leaves, etc. So yeah, the responsible thing to do is make sure you have a little of a safety net saved for yourself and your family. Living paycheck to paycheck sucks, I've been there. But no time like the present to start building a savings account one dollar at a time before baby is here.

stepclar · February 2015

Thankfully $0! I live in Canada!

Unknown · February 2015

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jyoga87 · February 2015

This thread is getting hot. I'm wondering if this is the place for this type of theoretical discussion that does not specifically relate to your personal experience pertaining to the thread's question.

mel0601 · February 2015

I live in Australia and all we have to pay for is the 12 week ultrasound as it's considered voluntary. Other than that not another dollar!

Pyraknight · February 2015

Same boat as many other high deductible USA-ers. I think all in it should be just under 10k out of pocket by the time baby's born. I try not to think about it or I get really angry, but keep all my receipts for tax time.

MommyofKandM · February 2015

$417 I will end up paying a bit more because ultrasounds aren't included in that and starting at 28 weeks have to weekly non stress test. But be what pay for the birth. That is also had my son's birth too..

kimberlykh · February 2015

I just called and it is a bunch of deductibles and percentages, but basically $3000 is the max out of pocket, and we will probably hit that.

mrscate88 · February 2015

Waiting for my husband's work insurance to kick in, hopefully within the next month. But if it doesn't happen, we have to pay all expenses out of pocket and delivery can cost $15,000+ if all goes well. We're in California, USA and don't qualify for any assistance through Obamacare, so it's going to be tricky, but we'll figure it out.

saybaby97 · February 2015

I'm on a high deductible plan, and I think prenatal care is covered mostly at 100% as "preventative care". Though tests may not be covered. My insurance is estimating delivery costs of over $11,000, of which I would have to pay the deductible of $5000, after the deductible everything is covered at 100%. However, I think we're going to hit the deductible before delivery because of my son's healthcare costs. And even that deductible is misleading because my company contributes about $1200 to a savings account used to pay the deductible. So I guess you could say we'll pay $0 for the babies.

I think you need a degree in this crap to understand healthcare insurance in the US. I'm in HR and it gives me a headache. Can't imagine how it is for the average consumer.

kfbalaor · February 2015

I'm feeling super blessed for both my insurance (Humana) and my husband's insurance (Tricare standard), so for the most part, everything is 100% paid for including prescriptions and labwork. The only thing I've been told to pay for so far is the elective ultrasound at 16 weeks to find out the gender early. There are a few other little things that I have to research as far as hospital stay, etc. but for the most part, delivery and the majority of prenatal care is covered.

tlc11934 · February 2015

My out of pocket cost was $1k with my first 2. Another $300 for the cord blood retrieval.

szarlotka · February 2015

We're covered pretty well by my employer (100% of premiums paid for me and all my dependents, no deductibles).

I'm paying for my multi, b supplement, and Omega-3 supplement out of pocket. Prenatal visits are free. I'm not sure yet if I'll have to pay anything extra for the sequential screening tests, but I didn't have to pay anything for regular bloodwork. Hospital maternity admission is $250 (would have to pay another $250 for the baby if we aren't discharged together within 48 hours after a vaginal delivery). Well-baby visits and most immunizations will be free.

We decided to contribute $720 to an FSA this year, so that should hopefully cover the delivery charge, out-of-pocket costs for glasses, and any dental work my husband and I need in 2015.

All in all, I feel pretty lucky for an American.

az1027 · February 2015

I'm in Ohio and still 23 and unmarried so I'm on my dads insurance and the birth is completely covered

PregNancyClark · February 2015

We are waiting to hear if we've been approved for a plan that will cover all but about $250. If not, we will switch from birth center to home and pay $3150 total for all prenatal, delivery and post partum care. Either way it beats last time. Before our insurance was taken away, our plan both caused and covered an $80,000 csection and NICU event. Luckily, we survived and didn't incur any debt. The USA is a weird weird place to give birth.

KristinCampbell11 · February 2015

0$

Glad to be Canadian!!!!!!

what is concerning is not only that many of you will be paying so much out of pocket but the fact that the sicker you/baby are the more it will cost. Talk about added stress.

Nvrforgetable · February 2015

Onward said:
I will pay $6000. Such a difference between plans, I think I paid $200 for my son in 2011 at a different job.

I will be paying the same, and I work for a health insurance company! Oye! At least I am not the only one paying so much!

louiser210591 · February 2015

I'm glad I'm from the UK. Having to pay for healthcare is ridiculous

piscesmommy222 · February 2015

Ladies I'm in Hickory!!! So excited to see people from my area!

orwillard · February 2015

Anthem Blue Cross Blue Shield, high deductible. . $2,800. Looks like we'll be meeting our deductible this year!

vvitalian · February 2015

I live in California, my cost is 0$ for prenatal appointments and birth with our medical. We do pay 500$ a month to cover my daughter and I on our husbands employee medical plan.

WheresTheGlow · February 2015

So far $1500 ... I am sure, somehow, someway we'll be paying more when the time comes

squishycw · February 2015

Im gonna owe right around $250 but then again good insurance pays off sometimes

CEW225 · February 2015

@ellebxo26 and @seg6394

Fellow North Carolinian here! I know exactly where Granite Falls is. My husband is from near Hickory and we both went to ASU! We currently live in Wilkes County.

So far, I have found out that I will be paying approximately $900 for all my dr visits and the delivery. No idea about the hospital, but from what I've gathered from others in the education profession, they really didn't have to pay much because of some bridge insurance that is offered through the school system. I know that we have a program called Stork Rewards that, if you participate (it's like a health survey every few months throughout the pregnancy), they will waive your hospital co-pay. Fairly pleased so far!

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