Delivery Costs?

cgss11 · May 2016

So I know this will really vary depending on insurance, and lots of things, but I'm seriously in the dark about how much this might cost. Anyone care to share? And if they have decent, or not so good insurance with that.

My insurance says it is $35 for the physician, deductible waived, 10% after 200 copay for facilities, after deductible. But I don't know what that means in the grand scheme of things.

I'm extra focused on money lately since I learned my mat leave will be unpaid, and vaguely adding up costs in my head. Yikes!

juliehollz13 · May 2016

Wow that must be some amazing insurance. Our current insurance has a $7k deductible which thankfully renews in June so we will upgrade to the $3,500 deductible plan. So I expect to pay at least that + whatever the baby racks up. Remember, as soon as the baby is born he gets his own "deductible" so you will be billed for services performed for you and the baby separately (at least that's how most insurance companies work in my area). Without insurance you can expect to pay up to $25k unless you qualify for medicaid.

P.S. - most insurance companies have an online portal you can register for and have a "cost estimator" tool where you can type in a procedure or service and they will give you the average cost. For example, just regular vaginal delivery in my area has an average of $8-12k price tag without the anesthesia and all the other services that women normally get.

JEM525 · May 2016

I was very nervous about the cost with my first. I recommend calling your insurance they will look up your account and tell you how much everything will cost. Everyone has different insurance plans and the cost can range drastically. My plan is crazy low, it cost us $250 for a 4 days in the hospital and $250 when LO was born. That is all I paid out of pocket my entire pregnancy and delivery and my LO had ultrasounds every 2 weeks do to complications and seeing specialists.

dmontgo · May 2016

We have similar insurance @cgss11 ! I have Cigna PPO. It's awesome but I still plan on calling them this week for more info. Off the top of my head I know copays for prenatal and infant visits are waived. There is a $250 copay for the hospital but I'm not sure what they cover after that. I also know they send a breastpump in the second trimester--I would look into that too. Good savings!

dmontgo · May 2016

@juliehollz13 Thank you for this info--very helpful.

Cooks2009 · May 2016

My deductible is $500 but my out of pocket max is $5250.. so I'm expecting to spend that. Atleast..

mattanda2011 · May 2016

There are in theory 3 costs that you will get. The cost from your doctor to see you for your prenatal appointments and deliver the baby, the cost the hospital charges for being there, the room, the food, the supplies, and then there is the baby cost (this typically includes baby stay in the hospital and the baby being seen by the dr since they are just seen by whatever pedi doctor is in the hospital)
Here is what I have experienced - OB usually should give you a "Global cost breakdown" close to the beginning. This is what they charge and what your insurance covers etc. My dr charges 3650 for everything. I have extremely good insurance so we have already met our family deductible of $700 this year so I only owe 20%. Since our insurance has contracted a lower cost (meaning the insruance agrees that a vaginal delivery should only cost x) I only pay $224 for the OB.
Going off last time, the cost for my hospital stay was 450, again, its 20% of whatever number the hospital comes up with, and my sons stay and dr was about 100.

I expect it to be similar again. The main benifit that we have a december moms is that many of us will meet our deductible during the year before baby is born, but it really means you are still paying it somewhere.

It seems like you have very good insurance so you could be paying only 10% of charges after you pay 200. At least for the hospital. Meaning if you hospital cost is $2000, you pay $200, then you pay 10% of the remaining 1800, so 380 total.

Pretty good deal

slartybartfast · May 2016

I've got good insurance. Start to finish I'll pay $125. That's the copay for delivery

sammyl1221 · May 2016

My insurance company has a calculator on their website. You can pick any procedure and it tells you how much it costs. You pick the hospital and the doctor. Since we know what both are we did it and it costs $2100.

COgirl29 · May 2016

It completely depends on your insurance. For my first, it cost $400 deductible for me for all of my prenatal care as well as delivery. It cost another $400 for my daughters deductible as soon as she was born, so we paid $800 total.

My insurance has since changed and is now $500 deductible for me (for all prenatal and delivery), plus 5% for anything beyond that. No additional deductible this time for the baby. It will likely cost a bit more this time since I'm not covered 100% after deductible.

Many OB's office ran my insurance benefits and had an estimated charge (assuming no complications) which was super helpful. They then had a payment plan through my whole pregnancy so by the time my daughter was born, I didn't owe anything else. You can always ask your OB's billing dept if they do something similar!

cgss11 · May 2016

Thanks everyone, this is really, really helpful. I'll check on my insurance site if they have an estimator.

Its also good to hear it seems I have good insurance! Ha, I'm not a doctor person. I went once last year for an annual, and had one urgent care visit for shingles. The year before I don't think I went at all. It's paid by my employer, but exspensive to add a child, so baby will go on DH's.

princesslockness · May 2016

I am so terribly jealous of all of you ladies' insurance. I paid $3000 after insurance for L, plus since we switched insurances and had a mix up his bill was $5000.

DiFazette · May 2016

I'm vomiting over here. You guys - thank your lucky stars. If whomever that holds that health insurance you all have wants to quit their job, forget it!

We paid $9k to have DS. We'll pay more this birth. We had to meet our family OOP Max since he stayed in the NICU a while.

This is time there will be two babies, but I think my family OOP max is $10k.

MamaWino · May 2016

We have a pretty crappy high deductible insurance policy (we're both self employed) and paid about $5000 for DD1 and $4000 for DD2. Our current policy has a $3500 deductible which we've met for the year, but our policy renews on Nov 1, right before this kiddo is due. Go figure. We're going to have to re-evaluate policies and see if we can find something that will benefit us more. All routine OB visits are covered, however, so at least we've got that going for us.

emisi · May 2016

We have a high deductible insurance, but we've basically already met it this year (I had a horrible back pain issue that required I go to the ER... $2200 later...), and supposedly I pay nothing for prenatal care... and I think even delivery? That's pretty sweet. I will probably have to pay 10% for my epidural.

Christinaruth74 · May 2016

I had really good insurance at the time and we only paid $1k, and that was for a c-section and a 6 day stay!

karmba · May 2016

My individual OOP is $1,800 - so I'll pay that through the course of the pregnancy with most of it being around delivery. But them baby has its own $1,800 OOP as soon as it's born. It's definitely not the best, but it's the best out of what my company offers!

Mamax2 · May 2016

With the type of insurance we have, EVERYTHING is covered 100% after we meet our deductible and out of pocket maximum. With the way my daughter's health has been this year, we met our OOP maximum by the beginning of April. We usually have a copay of $500 when admitted to the hospital, but with maternity, that gets waived. We end up having to pay nothing OOP. Iur deductible and OOP maximum start over at the beginning of every calendar year.

lalamomma · May 2016

This is one thing about military healthcare I appreciate. I think the most I paid was $160 for the whole pregnancy $120 for birth/hospital stay.
Having babies is expensive!

queenklau · May 2016

Same as @Mamax2, after the $500 deductible, the insurance covers 90% of all diagnostic/lab/doctor/office visit etc. The delivery, hospital stay are 100% covered for mom and baby (48hrs normal birth, 96 hrs c-section). This is my first so we will see how it plays out. So far never had any issues with this insurance, it is the best I have ever had.

Kacie209 · May 2016

I honestly don't know what my insurance plan will pay in total, but know that staying on mine pays more than if I had gone on DH's - his insurance is not that great.

It does have a chart for Having a baby: normal delivery - and it estimates out of pocket cost to be $7K plan pays, and $4K patient pays. Obviously, that varies by hospital cost, etc.

But, I do know that my information says that Prenatal Office Visits - Plan pays 100% (no charge) In Network (no deductible).

Delivery and all inpatient services - 30% coinsurance

For Hospital services/post natal - You pay 30% allowed amount after deductible is met. (Deductible is $3K for in-network).

bakerstreetboys · May 2016

This thread is giving me heart palpitations!

dmontgo · May 2016

Posting this info in case it's helpful to anyone with Cigna PPO. I know some may not have the same plan, but I just got off the phone with them and this is what they told me:

-1st prenatal visit copay $30; after that any prenatal visits are covered 100%.

-Pre-authorization is needed for any kind of birth, but the doctor takes care of that.

-100% coverage for infant visits-Well Baby Program

-100% coverage for 2 ultrasounds or any X-Rays; any extras may require copay if not medically necessary

-In-network hospital stays: 100% coverage, but extras like an epidural will require a copay.

-Free breastpump and materials available through Care Centric

-If you're part of a group plan at work be sure to inform HR when baby is born so they can add him or her to the policy

I hope this helps someone!

DiFazette · May 2016

And... I hate to be Debbie downer today but worth mentioning... If your baby doesn't come home with you (needs their own hospital stay) you will be required to pay the deductible and up to your family OOP Max. That's why mine was crazy. Having twins I'm expecting them to need extra care. I'm hoping like all hell they won't, but it's more likely for me.

dmontgo · May 2016

Good info for us to keep in mind, @DiFazette!

doodleoodle · May 2016

I thought we had good insurance until I opened this thread... For those of you who only paid a few hundred are your monthly premiums insane? So jealous.

We didn't pay anything for prenatal visits, but ended up paying around 5K for L&D and LO's care. I had a c section though. We had 3 separate bills BTW. So don't get excited when the first bill arrives and you think, "that's not so bad" lol

babybluesnapdragon · May 2016

I was lucky last time around I was on my husbands insurance as well as my moms so I didn't pay a dime for prenatal care or delivery, however DD had to stay longer than me and obviously was only on husbands insurance so we had $1800 bill for her 3 day stay

.... This time around I'll be on both insurances again until Dec 1st when my moms insurance renews and since I turned 26 I can't stay on it any longer but I will still have Hubbys

COgirl29 · May 2016

doodleoodle said:

I thought we had good insurance until I opened this thread... For those of you who only paid a few hundred are your monthly premiums insane? So jealous.

We didn't pay anything for prenatal visits, but ended up paying around 5K for L&D and LO's care. I had a c section though. We had 3 separate bills BTW. So don't get excited when the first bill arrives and you think, "that's not so bad" lol

We paid $800 total for my daughter ($400 for me and $400 for her), and our monthly premium is $650 for family plan.

MaggieG183 · May 2016

I'm a teacher and one would think teachers have the best health care...ha! We are on a $5000 high deductible plan right now, but after that is met, 100% is covered. It's also a $10,000 whole family OOP max. Thankfully, I have been stashing money into our health savings account and it will be around $4000 by the time the big bills rack up. Also as I'm a teacher, our plan renews in September so nothing we're doing right now will go to support that deductible in December.

We're thinking of changing to a lower deductible plan, but will have to run the numbers and see if things will be a bit cheaper with a lower deductible plan as with the lower ded. plans once the family OOP is met then there's a 20% co-pay. When I ran the numbers before, with a healthy baby, ithe birth would be cheapest on the highest deductible plan, but what if there are complications??? So frustrating and scary, especially since DH and I just paid off all our debt about two months ago.

pinuphousewife · May 2016

Our deductible is $500 and then we also have a Aflac and for a vaginal birth will be getting about $4,500 back

Kbchavez23 · May 2016

I paid $0 out of pocket for delivery this last time. I had amazing insurance ( & no not medical). This time I'm looking at around $1800 :-/ new job, new insurance...

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