https://boards.hellobee.com/ Pregnancy, Baby and Parenting blog, by Hellobee en Thu, 14 May 2026 07:06:05 +0000 https://boards.hellobee.com/topic/cost-of-pregnancyampbirth-in-usa/page/2#post-403912 Sat, 17 Nov 2012 11:04:10 +0000 immabeetoo 403912@https://boards.hellobee.com/ <p>@char54 I read this blog and thought I'd share it if you're still looking at insurances - I think it explains high deductible plans/HSAs really well : <a href="http://www.getrichslowly.org/blog/2012/11/17/hdhp-with-hsa-friend-or-foe/" rel="nofollow">http://www.getrichslowly.org/blog/2012/11/17/hdhp-with-hsa-friend-or-foe/</a> </p> https://boards.hellobee.com/topic/cost-of-pregnancyampbirth-in-usa/page/2#post-394483 Tue, 13 Nov 2012 09:23:32 +0000 kml636 394483@https://boards.hellobee.com/ <p>It varies. I will pay nothing, but DH has great insurance. </p> https://boards.hellobee.com/topic/cost-of-pregnancyampbirth-in-usa#post-394465 Tue, 13 Nov 2012 09:15:24 +0000 babynumber1 394465@https://boards.hellobee.com/ <p>@sorrycharlie: Thats a lot! Mine was $14,000 with 2 days of labor and an emergency c-section. A total of 5 days in the hospital. </p> https://boards.hellobee.com/topic/cost-of-pregnancyampbirth-in-usa#post-394318 Tue, 13 Nov 2012 01:15:22 +0000 luckypenny 394318@https://boards.hellobee.com/ <p>We have excellent insurance so it only cost us $200 for two nights stay and vaginal delivery. It was $35k before insurance. Yikes! </p> https://boards.hellobee.com/topic/cost-of-pregnancyampbirth-in-usa#post-394315 Tue, 13 Nov 2012 01:05:35 +0000 sera_87 394315@https://boards.hellobee.com/ <p>@char54: as a fellow Canadian on her lovely 50 weeks of mat leave, I hope you stay too! :) </p> https://boards.hellobee.com/topic/cost-of-pregnancyampbirth-in-usa#post-394297 Mon, 12 Nov 2012 23:48:00 +0000 ChelseaRose 394297@https://boards.hellobee.com/ <p>I have insurance through my employer and it provides maternity coverage at 100%. This is very fortunate for us because I had complications at the end of my pregnancy, a long hospital stay, and a cesarean delivery (rather than the natural delivery that I envisioned). I don't want to know what the bill would be. I went to a hospital out of state when I had a miscarriage and the bill was $8k, but I only had to pay my ER co-pay of $50. </p> https://boards.hellobee.com/topic/cost-of-pregnancyampbirth-in-usa#post-393461 Mon, 12 Nov 2012 14:31:23 +0000 Charm54 393461@https://boards.hellobee.com/ <p>@Shutterbug: The first way you describe seems to be how my prescription/dental/eyecare plan is. I pay a monthly deductible through work and then sometimes a small co-pay when I use a service. I've never heard of the 2nd way where people need to spend a certain amount of money first. Interesting!</p> <p>Thanks everyone for your help....it's a lot more complicated than I thought!! Fingers crossed we can stay put here in Canada - we should know within the next month or so. I'm tired of having my life in limbo!! (We were supposed to know in June, then August, then October....) </p> https://boards.hellobee.com/topic/cost-of-pregnancyampbirth-in-usa#post-393443 Mon, 12 Nov 2012 14:24:32 +0000 Shutterbug 393443@https://boards.hellobee.com/ <p>@char54: The insurance world has changed in the US... it used to be that everyone had HMOs where you had a co-pay of a certain amount depending on what it was (i.e. - $10 dr visit, $15 prescription, $50 ER visit, $500 inpatient hospital visit) and then your insurance covered the rest. More and more these days employers are moving to these deductible plans, where you have a high dedictible to meet first, but then you're covered for everything thereafter.</p> <p>ETA: This is just my experience... maybe people always had the high deductible plans and I just didn't know about it :) </p> https://boards.hellobee.com/topic/cost-of-pregnancyampbirth-in-usa#post-393434 Mon, 12 Nov 2012 14:19:14 +0000 littlek 393434@https://boards.hellobee.com/ <p>We paid nothing but we have a HMO. </p> https://boards.hellobee.com/topic/cost-of-pregnancyampbirth-in-usa#post-393423 Mon, 12 Nov 2012 14:14:07 +0000 JerricaBenton 393423@https://boards.hellobee.com/ <p>I had to pay a one time prenatal care copay ($25) and I have a $50 copay for all specialist visits but everything else is covered. </p> https://boards.hellobee.com/topic/cost-of-pregnancyampbirth-in-usa#post-393321 Mon, 12 Nov 2012 13:36:35 +0000 Minnie_Girl 393321@https://boards.hellobee.com/ <p>DH has really good health care. If we were giving birth in a network hospital, the costs would be 100% covered. </p> <p>But we're planning a home birth (go figure), so we paid for the midwives out of pocket and are reimbursed 50%. Which is ultimately still cheaper than what a lot of people pay for the hospital. </p> <p>I hope you get good coverage, @char54! </p> https://boards.hellobee.com/topic/cost-of-pregnancyampbirth-in-usa#post-393297 Mon, 12 Nov 2012 13:25:52 +0000 ladyfingers 393297@https://boards.hellobee.com/ <p>I have a $1,000 deductible for prenatal/labor/delivery. That includes the doctors' visits and the hospital stay, whether I'm having a vaginal or c-section. It's a "global fee" which means that it's based on the year the baby is born, so I don't have to pay two deductibles.</p> <p>The confusing part is that the doctor's office has been collecting my deductible, but they don't notify the insurance company of this until the baby is born. So there's a good chance the hospital will attempt to collect the $1,000 deductible, and if the doctor hasn't yet notified the insurance company, we could be liable for another $1,000 come February. The doctor's office would then need to reimburse us the $1,000 we'd already paid them. Which just sounds like a huge pain in the ass that I'm not looking forward to. Why can't they just do things in a normal way? </p> https://boards.hellobee.com/topic/cost-of-pregnancyampbirth-in-usa#post-393273 Mon, 12 Nov 2012 13:16:29 +0000 Mrs. Lovejoy 393273@https://boards.hellobee.com/ <p>DH works for a healthcare provider in our area, so once I'm on his insurance (in a few weeks), we'll have our maternity care 100% covered after we pay $50. I have to switch from a midwife to a doctor in their network and we'll have to pay the 20% of visits we've already attended, not covered on my current plan, but I'm ecstatic about his new benefits! </p> https://boards.hellobee.com/topic/cost-of-pregnancyampbirth-in-usa#post-393240 Mon, 12 Nov 2012 13:07:14 +0000 birdofafeather 393240@https://boards.hellobee.com/ <p>it totally depends on your insurance. for all my OB appts, all i have is a $40 co-pay. the hospital bill will be different. my deductible is $1000 and my out of pocket max for the year is $3500, so that is all i would have to pay if i had every intervention. so i expect to pay between $1000 and $3500 for her birth. anything less will be a happy surprise! </p> https://boards.hellobee.com/topic/cost-of-pregnancyampbirth-in-usa#post-392582 Sun, 11 Nov 2012 22:10:09 +0000 Turd Ferguson 392582@https://boards.hellobee.com/ <p>On my husband's insurance plan, we have a $30 copay, zero deductible, and 100% of all services covered (if we go to an "in-network" provider). Surprisingly, we pay the exact same amount for BOTH of us on his plan, that I paid for just myself on my insurance prior to being married ($40 copay, $3000 deductible, and 80% of services covered). Insurance gets confusing! </p> https://boards.hellobee.com/topic/cost-of-pregnancyampbirth-in-usa#post-392570 Sun, 11 Nov 2012 22:04:23 +0000 Mrs. Train 392570@https://boards.hellobee.com/ <p>I had copays at my visit but my hospital visit and c section was free. </p> https://boards.hellobee.com/topic/cost-of-pregnancyampbirth-in-usa#post-392563 Sun, 11 Nov 2012 21:59:44 +0000 erwoo 392563@https://boards.hellobee.com/ <p>I have a federal plan with BCBS PPO and my entire prenatal visits including all ultrasounds and giving birth were all paid for. I just had to pay a co-pay once? Our monthly premium is more than we used to pay but it's all worth it now. We never saw one hospital bill except when the anesthesiologist's office didn't update to my new insurance plan. But now i know how much all the drugs cost for a section - $2100. </p> https://boards.hellobee.com/topic/cost-of-pregnancyampbirth-in-usa#post-392560 Sun, 11 Nov 2012 21:56:04 +0000 DillonLion 392560@https://boards.hellobee.com/ <p>@Foodnerd81: Awesome info, thanks! </p> https://boards.hellobee.com/topic/cost-of-pregnancyampbirth-in-usa#post-392553 Sun, 11 Nov 2012 21:53:43 +0000 Foodnerd81 392553@https://boards.hellobee.com/ <p>@highwire: I have heard nightmare stories about the private plans! I'm pretty sure the new ACA says all plans have to cover maternity benefits (not sure if it went through or is still stuck in government limbo) <a href="http://www.thedailybeast.com/articles/2012/06/28/a-supreme-win-for-women-the-crucial-benefits-of-obamacare.html" rel="nofollow">http://www.thedailybeast.com/articles/2012/06/28/a-supreme-win-for-women-the-crucial-benefits-of-obamacare.html</a><br /> Also in the current individual insurance market, coverage for maternity care is routinely excluded. Only 12 percent of plans sold in the individual market offer maternity coverage, which is frequently inadequate because of long waiting periods and deductibles that can be as high as the cost of the birth itself. Once the Affordable Care Act—otherwise known as Obamacare—is fully implemented, about 8.7 million women will have guaranteed access to maternity and newborn care in all new individual and small group plans.<br /> (Yes, I'm aware that this isn't the best 'source' of information!)</p> <p>Doesn't it seem like the dad's insurance should cover maternity benefits too, anyway? I mean it's his kid in there. We were just wondering if we can use DH's flex spending money for delivery-- his baby, my body, you know? </p> https://boards.hellobee.com/topic/cost-of-pregnancyampbirth-in-usa#post-392552 Sun, 11 Nov 2012 21:52:14 +0000 mrs. bird 392552@https://boards.hellobee.com/ <p>@char54: it does make a difference where you are. In ma we have minimum coverage requirements and out of pocket spending limits. We also require ins companies to cover ivf &amp; other fertility treatments that aren't covered elsewhere. </p> https://boards.hellobee.com/topic/cost-of-pregnancyampbirth-in-usa#post-392539 Sun, 11 Nov 2012 21:45:01 +0000 Charm54 392539@https://boards.hellobee.com/ <p>@highwire: lol! I'm sure if we do move you all will be bombarded with questions! I've been spoiled up here!</p> <p>Do plans vary by state (here healthcare is managed provincially) or does it depend entirely on your company? We are looking at the Colorado area if we move. </p> https://boards.hellobee.com/topic/cost-of-pregnancyampbirth-in-usa#post-392536 Sun, 11 Nov 2012 21:42:33 +0000 DillonLion 392536@https://boards.hellobee.com/ <p>@char54: Honestly, I had to check out a book from the library about insurance and other financial matters that broke it all down into plain English so I could understand what it all means. </p> https://boards.hellobee.com/topic/cost-of-pregnancyampbirth-in-usa#post-392532 Sun, 11 Nov 2012 21:40:06 +0000 Charm54 392532@https://boards.hellobee.com/ <p>This all makes my head spin. I get stressed now worrying about how much our plans will cover for dental fillings, I can't imagine major costly procedures!! </p> https://boards.hellobee.com/topic/cost-of-pregnancyampbirth-in-usa#post-392527 Sun, 11 Nov 2012 21:38:19 +0000 lawbee11 392527@https://boards.hellobee.com/ <p>My insurance deductible is $1,000. Everything is covered 100% once I meet the deductible. I also pay $52/month is premiums and my co-pay for office visits is $20. </p> https://boards.hellobee.com/topic/cost-of-pregnancyampbirth-in-usa#post-392524 Sun, 11 Nov 2012 21:37:24 +0000 DillonLion 392524@https://boards.hellobee.com/ <p>@photojane: It was such a blessing to wind up with the plan that I do. I actually found out we were getting on an employer sponsored plan the same day I found out I was pregnant. The alternative was either to pay for it completely in cash, or get on my husband's policy which would have included a $600+ premium each much plus a similar plan ($500 deductible, plus another $1500 out of pocket max) </p> https://boards.hellobee.com/topic/cost-of-pregnancyampbirth-in-usa#post-392522 Sun, 11 Nov 2012 21:35:41 +0000 DillonLion 392522@https://boards.hellobee.com/ <p>@Foodnerd81: I didn't always have a group plan through work. When I was looking for a private plan, there was absolutely no company whatsoever in Texas that I could get a plan with that included maternity coverage. You either had to be on a group plan through your employer (or your spouse's or parent's employer) or you had to have a baby uninsured (or at least without any maternity coverage)</p> <p>ETA: This was last year. I'm not sure how the Affordable Care Act changed that, if it changed it at all. </p> https://boards.hellobee.com/topic/cost-of-pregnancyampbirth-in-usa#post-392520 Sun, 11 Nov 2012 21:34:40 +0000 photojane 392520@https://boards.hellobee.com/ <p>some of y'all's plans make me super depressed. ha. i would weep tears of joy if i could have a baby for $100. </p> https://boards.hellobee.com/topic/cost-of-pregnancyampbirth-in-usa#post-392516 Sun, 11 Nov 2012 21:32:01 +0000 Smurfette 392516@https://boards.hellobee.com/ <p>We have to pay the deductible of $700, then insurance covers 80% of everything else. We then have to pay the remaining 20%, But only up to $2000. So if the 20% is $2500, we only have to pay $2000, and insurance would cover the $500. </p> <p>Not a great plan :( </p> https://boards.hellobee.com/topic/cost-of-pregnancyampbirth-in-usa#post-392507 Sun, 11 Nov 2012 21:27:05 +0000 Charm54 392507@https://boards.hellobee.com/ <p>@sorrycharlie: wow! I can't believe the plans vary so much. I guess we will have to take a good look at his company's plan if we do move. </p> <p>I hate to leave our medical and maternity benefits at the exact time in my life that I can take advantage of them after paying into them for so long! </p> https://boards.hellobee.com/topic/cost-of-pregnancyampbirth-in-usa#post-392506 Sun, 11 Nov 2012 21:26:23 +0000 Mrs. Pickle 392506@https://boards.hellobee.com/ <p>@char54: well I haven't had a baby yet, so I have no idea! I bet it will be at least 1k. </p>