https://boards.hellobee.com/ Pregnancy, Baby and Parenting blog, by Hellobee en Wed, 13 May 2026 08:37:29 +0000 https://boards.hellobee.com/topic/cost-of-hospital-birth/page/2#post-199825 Fri, 22 Jun 2012 20:26:47 +0000 regberadaisy 199825@https://boards.hellobee.com/ <p>I think my part comes out to just under 2k. My single deductibe is 2k so I would have def met it. But M came on my plan on that day so my deductibe changed to family which is more than 2k. So I have to pay it all :(. </p> https://boards.hellobee.com/topic/cost-of-hospital-birth/page/2#post-199820 Fri, 22 Jun 2012 20:19:00 +0000 mooncici 199820@https://boards.hellobee.com/ <p>I have a great insurance through work, I have 5% co-insurance with no deduct, so we only paid roughly $600 for everything. </p> https://boards.hellobee.com/topic/cost-of-hospital-birth/page/2#post-199803 Fri, 22 Jun 2012 19:37:27 +0000 mediagirl 199803@https://boards.hellobee.com/ <p>Just got our bill from the hospital: $10,000. Not sure what we're going to owe yet, haven't seen the insurance bill. We have a $1000 deductible and 20% after that. </p> https://boards.hellobee.com/topic/cost-of-hospital-birth/page/2#post-117671 Wed, 11 Apr 2012 02:35:14 +0000 looch 117671@https://boards.hellobee.com/ <p>We paid nothing to the hospital, but we did receive a copy of the bill that was sent to the insurance company: just over $3000, for an unmedicated vaginal delivery, attended by 2 midwives, 4 day hospital stay with all meals included for my husband and I.</p> <p>Where I live health insurance coverage for all is mandated by the government, so the cost of my insurance monthly is just over $200. </p> https://boards.hellobee.com/topic/cost-of-hospital-birth/page/2#post-117670 Wed, 11 Apr 2012 02:16:35 +0000 Ree723 117670@https://boards.hellobee.com/ <p>@cupcakemama: We're moving down there in about 5 weeks time - little bub is due in 10 weeks so hopefully we don't have any early surprises! We just found out yesterday that DH's next project will be back in Brisbane and as his boss is awesome, he's making sure we're back down there with plenty of time to get settled in before bubby arrives! Otherwise, we'd have no choice but to go regional as we're 6 hrs away... just a bit too far to drive when labour starts! :-)</p> <p>@heatherloveskenny: Sorry, we totally threadjacked your post! </p> https://boards.hellobee.com/topic/cost-of-hospital-birth/page/2#post-117663 Wed, 11 Apr 2012 01:42:45 +0000 cupcakemama 117663@https://boards.hellobee.com/ <p>@Ree723: I have heard fairly good things about the public system. Friends have delivered there and been really happy. We were lucky that we already had top private cover so didn't have to worry about the waiting period.</p> <p>Are you heading to 'the city' early?? Or just going to do a hospital run when the time comes? </p> https://boards.hellobee.com/topic/cost-of-hospital-birth/page/2#post-117658 Wed, 11 Apr 2012 01:31:16 +0000 Ree723 117658@https://boards.hellobee.com/ <p>@cupcakemama: Ah, very good point! I am in a regional centre for now but will probably be back in one of the major cities for the birth of our little bub. I have a very good friend who went with private for the very reason you stated - she wanted to choose an OB that she had heard great things about, particularly as she was concerned she may have a risky pregnancy. She delivered at the hospital where I hope to deliver if we can get down there in time - apparently three floors are private but the rest are public so the majority of the facilities are shared (NICU, anesthetists etc), which is all I really care about. </p> <p>I do love that we have the option of such a great public health system here! We had originally looked at going with private, but the 12 month waiting period for maternity cover put us off. I initially worried about going public as it's such a weird concept for me (being American) and I worried that the care would be substandard, but I am so happy that it is not the case at all! We really are lucky to have such an amazing system here! </p> https://boards.hellobee.com/topic/cost-of-hospital-birth/page/2#post-117652 Wed, 11 Apr 2012 01:17:04 +0000 cupcakemama 117652@https://boards.hellobee.com/ <p>@Ree723: I think you are in Australia? In country towns the treatment is exactly the same as there is generally just the 1 hospital and you get the same doctors.</p> <p>Where I am ( city) it's slightly different. I delivered in a private hospital with my choice of OB. I stayed in hospital for 4 nights. It cost me ~$2000 for the OB. For us it was worth it to have the OB we wanted. We had private health cover already so it wasn't a big deal.</p> <p>Having said that I like that we had a choice. We were able to choose that we were prepared to pay for private. Or we could have chosen to go public and still had great care without any out of pocket. I can't imagine a system where we didn't have public health. </p> https://boards.hellobee.com/topic/cost-of-hospital-birth/page/2#post-117649 Wed, 11 Apr 2012 01:02:36 +0000 Ree723 117649@https://boards.hellobee.com/ <p>I am so grateful to be living in a country with socialised health care - we will not be paying one cent for this baby. All costs are fully covered with no co-pays, deductibles, or anything of the sort. We also don't pay any premiums for insurance - unless you count our standard tax rate deducted from our paychecks (approx 30%) as the government funds the entire health care system here. </p> <p>We do have the option of going with private insurance but hardly anyone goes for that as it's expensive (would be about $4000 per year for coverage + another $4000 to have the baby with a private obstetrician) and doesn't change the quality of care. Public and private patients deliver in the same hospitals with the same doctors - the only difference is that you're guaranteed a private room afterwards with private coverage; with public, you may (depending on space) have to share a room. For $8000, I can share a room for two nights! </p> https://boards.hellobee.com/topic/cost-of-hospital-birth/page/2#post-117632 Wed, 11 Apr 2012 00:23:36 +0000 Rainbow Sprinkles 117632@https://boards.hellobee.com/ <p>Oops, I need to edit my post. I talked to my insurance today... we don't have a co-pay at all for delivery. So, everything is covered!<br /> All we have had to pay so far is $3 each for each of my prescriptions. </p> https://boards.hellobee.com/topic/cost-of-hospital-birth/page/2#post-117619 Tue, 10 Apr 2012 22:44:19 +0000 Grace 117619@https://boards.hellobee.com/ <p>Wow. It blows my mind that people with insurance still have to pay 1000s of dollars. So thankful for medicare right now. </p> https://boards.hellobee.com/topic/cost-of-hospital-birth/page/2#post-117595 Tue, 10 Apr 2012 21:56:03 +0000 MamaG 117595@https://boards.hellobee.com/ <p>My insurance has a $2,500 deductible with 90% co-insurance, out of pocket maximum of $4,000. My doctor billed $4,844 (discounted by insurance to $3250). This included all pre-natal visits and my c-section delivery. My doctor required me to pay upfront (5 installments of about $500 each) to cover my deductible and the 10% co-insurance. </p> <p>The additional billings for ultrasounds, testing, induction, hospital stay, epidural etc were $36,000. The insurance adjustments brought this down to $20,360 which was either paid by the insurance or me through my 10% co-insurance.</p> <p>All in my cost was just over $4,000 and my insurance paid $19,500. </p> https://boards.hellobee.com/topic/cost-of-hospital-birth/page/2#post-117575 Tue, 10 Apr 2012 21:05:42 +0000 holdonforonemoreday 117575@https://boards.hellobee.com/ <p>@Rubies: Me too! I shudder at the thought of paying all that money to give birth! Thank goodness for OHIP, eh?</p> <p>My husband has insurance that will cover a semi private room and anything OHIP doesn't cover. Last time we paid $108 for a private room for 4 nights. In addition we had to pay $200 for the circumcision (half to doctor and other half to hospital). </p> https://boards.hellobee.com/topic/cost-of-hospital-birth/page/2#post-117386 Tue, 10 Apr 2012 18:46:57 +0000 cupcakemama 117386@https://boards.hellobee.com/ <p>I have private health insurance so went through a private system rather than public hospital ( we have government public heath here - what's it called??). Anyway, my hospital stay ( 4 nights) cost nothing, it wouldn't have mattered if I had had a csection or LO had had to be in NICU it was all covered. </p> <p>I did have to pay $2000 to the OB. I got some of that back from the Govt and because we were so much out of pocket any health visits ( drs etc) for the rest of the year had a minimal cost.</p> <p>All of my ultrasounds, pathology tests etc were covered by my health insurance 100%.</p> <p>Had I not had private insurance and gone public it also would have been free ( and without the OB bill!). However, I would not have had a private room and probably would have had my checkups with a midwife + OB if there was an issue. </p> https://boards.hellobee.com/topic/cost-of-hospital-birth/page/2#post-117223 Tue, 10 Apr 2012 16:07:18 +0000 aunt pol 117223@https://boards.hellobee.com/ <p>I'll be in the same boat as Megwag, short of outright thievery it won't cost me anything. No, I lie, we will have to pay for parking, but that's a maximum of €25 in a 24 hr period so<br /> I'm not going to freak about it. If we were going private it would probably top out about €8,000 or €9,000 but insurance would cover that. I won't lie, I'd love a private room for pp, but that's €1600 per night so I think I'll survive the ward, seeing as its free. </p> https://boards.hellobee.com/topic/cost-of-hospital-birth/page/2#post-117217 Tue, 10 Apr 2012 16:02:49 +0000 MegWag 117217@https://boards.hellobee.com/ <p>@crash806: I know, right!?! It was in a drawer and I have no idea when they took it as I was rarely out of my cubicle. We weren't sure if it was taken by a staff never or another patient. My husband and I like to joke about our 11 pound baby ;)<br /> It was still a heck of a deal compared to America. </p> https://boards.hellobee.com/topic/cost-of-hospital-birth#post-117209 Tue, 10 Apr 2012 15:53:48 +0000 lavender 117209@https://boards.hellobee.com/ <p>@MegWag: someone stole money off your nightstand seriously?!!??! Who does that?!?!?! </p> https://boards.hellobee.com/topic/cost-of-hospital-birth#post-117044 Tue, 10 Apr 2012 14:13:17 +0000 Rubies 117044@https://boards.hellobee.com/ <p>Wowee. My jaw is dropped to the ground as I'm reading this thread.</p> <p>What is co-pay? </p> https://boards.hellobee.com/topic/cost-of-hospital-birth#post-116928 Tue, 10 Apr 2012 13:24:18 +0000 Rock n Roll 116928@https://boards.hellobee.com/ <p>Oh, and my premium is around $104 per month to cover myself and my daughter for those who were curious about premiums. </p> https://boards.hellobee.com/topic/cost-of-hospital-birth#post-116918 Tue, 10 Apr 2012 13:21:34 +0000 Rock n Roll 116918@https://boards.hellobee.com/ <p>I was uninsured with my daughter and paid a small fortune- I think it was around $10,000 when you added together my OB, the hospital, pediatrician initial, epidural, labs, ultrasounds, etc. There is a huge difference between cash payment cost and insurance cost, though. I think if you took my same $10,000 out of pocket birth and billed it through insurance it would have easily come out to double that.</p> <p>This time around I have amazing insurance. I paid $25 copay for my initial consult and everything else is covered. I just got a bill that I have a $50 copay for an ultrasound, though, since I had to go for a second consult since they couldn't get all the pics they needed the first time. Still, I'll take $75 over $10,000! </p> https://boards.hellobee.com/topic/cost-of-hospital-birth#post-116865 Tue, 10 Apr 2012 13:03:46 +0000 HLK208 116865@https://boards.hellobee.com/ <p>@MamaMoose: I just called them again and they told me the out of pocket max excludes my deductible :-/</p> <p>Good news is that I called my hospital and they told me I get a 40% discount for paying within 30 days after the birth! </p> https://boards.hellobee.com/topic/cost-of-hospital-birth#post-116775 Tue, 10 Apr 2012 12:23:10 +0000 MamaMoose 116775@https://boards.hellobee.com/ <p>@HeatherlovesKenny: With our insurance the deductible is part of the out of pocket max. So my deductible is $600 and my OOP max is $2,000. I will never pay more than $2,000... not $2,600 so I would double check that. </p> https://boards.hellobee.com/topic/cost-of-hospital-birth#post-116727 Tue, 10 Apr 2012 11:52:13 +0000 HLK208 116727@https://boards.hellobee.com/ <p>Hmm I'm going to call my doctors office and insurance to make sure I understood correctly but we have $1000 family deductible + 90% coverage and the $3000 out of pocket max so the most we should pay would be $4000. We have that put aside but that number just makes me want to cry! </p> https://boards.hellobee.com/topic/cost-of-hospital-birth#post-116707 Tue, 10 Apr 2012 11:40:00 +0000 twogirls 116707@https://boards.hellobee.com/ <p>i'm curious about the health insurance premiums for those who doesn't have to pay anything. </p> https://boards.hellobee.com/topic/cost-of-hospital-birth#post-116672 Tue, 10 Apr 2012 11:15:44 +0000 joyjoy 116672@https://boards.hellobee.com/ <p>With our insurance our cost should be $250 for everything--OB visits, blood tests, u/s, hospitalization and natural or c-section birth. </p> https://boards.hellobee.com/topic/cost-of-hospital-birth#post-116669 Tue, 10 Apr 2012 11:14:49 +0000 mrs. wagon 116669@https://boards.hellobee.com/ <p>Never saw a bill or paid a copay with anything, even my OB visits. This is the greatest thing about Wagon Sr. working in academia-- the insurance is not that expensive and it's always so comprehensive. It was better when he was at Harvard but at his current school it's still totally comprehensive, just a little more expensive. </p> https://boards.hellobee.com/topic/cost-of-hospital-birth#post-116663 Tue, 10 Apr 2012 11:11:07 +0000 purrpletulips 116663@https://boards.hellobee.com/ <p>I have awesome insurance: my hospital birth (induced, vaginal with epidural), 3 routine ultrasounds, 1 biophysical profile ultrasound, and all prenatal and postpartum visits cost me a total $10 </p> https://boards.hellobee.com/topic/cost-of-hospital-birth#post-116649 Tue, 10 Apr 2012 11:03:49 +0000 yoursilverlining 116649@https://boards.hellobee.com/ <p>I know my out of pocket max for the year is $1500, and I can’t remember what my deductible is (maybe $500 at the most?), so it will be less than $1500 total.</p> <p>My insurance covers maternity at 90% with no co-pay for regular visits, and I know from reviewing the invoices/summary sheets Cigna sends that they have already been billed close to/over $10,000 by my various doctors, ultrasound people, etc. (this would include my osteopathic doctor and physical therapy firm for my hip pain). I have no idea how much they will be billed for my delivery. The birthing unit at the hospital is brand new and I’m sure those private rooms with Jacuzzi tubs, flat screen TVs, wireless fetal monitoring, free room service and surround sound DVD/cable cost a lot of pretty, pretty pennies!!! </p> https://boards.hellobee.com/topic/cost-of-hospital-birth#post-116606 Tue, 10 Apr 2012 10:39:59 +0000 His Barista 116606@https://boards.hellobee.com/ <p>So far we owe.about $3500... we are waiting for my secondary insurance ti figure out what they will pay before I can say what our out of pocket will be for sure. </p> https://boards.hellobee.com/topic/cost-of-hospital-birth#post-116567 Tue, 10 Apr 2012 10:21:38 +0000 LivsMama 116567@https://boards.hellobee.com/ <p>@Alivoo01: nope, ours werent. DHs two companies he worked for in the time I was pregnant both had very low premiums as the company absorbed a lot of the costs. </p>