wonderful pear / 26210 posts
I think you kind of have to include your annual insurance costs, so while we paid $0 for the birth, I was still paying $250 a month for my insurance coverage.
pear / 1586 posts
Prenatal care was $20 total - I just had to pay my copay for the first appointment to confirm the pregnancy.
I think my delivery was $550 total? It was an extra $100 bc I work at a university with lots of local hospitals, but the hospital where I delivered (closest to my house) is affiliated with the other big university in our area. Overall, my insurance is pretty good.
blogger / coconut / 8306 posts
@looch: when you put it that way, we spent a small fortune having kids. Literally a down payment on a house, if we are factoring in insurance costs.
Otherwise, we paid a few thousand for our of pocket IF expenses + about $3,000 delivery/hospital for DD1 and ~$1,000 out of pocket IF expenses and $0 delivery/hospital for DD2.
grapefruit / 4066 posts
With M we paid around $3,000 out of pocket for delivery, prenatal care, co pays, etc.
This time I am on my DHs plan and he works for the state and they have great insurance so after our $250 deductible is met, as long as everything is in network, that will be all.
wonderful kiwi / 23653 posts
I think I ended out paying in the 4-6 k range. Can't remember bc all the bills come seperately! I kinda expected it based on deductible and max OOP.
watermelon / 14467 posts
$180 for her hospital care. We hit our deductible with my husband's hand surgery, otherwise it would have been about 2k.
wonderful grape / 20453 posts
@Mrs. Jump Rope: @looch: oh yeah. That's a scary number. Although because of that rising cost, I switched to a high deductible plan this year and will actually save loads of money because of having T this way over last years' plan
apricot / 477 posts
From IF treatment day 1 to the day we were discharged from the hospital, it cost 197 (IF med's 77.00, private hospital room for three days 120.00)
I am in Canada.
blogger / coconut / 8306 posts
@blackbird: yeah dude that was with our high deductible plan.
We are done having kids & switched to a standard plan this year and feel like freaking millionaires.
grapefruit / 4671 posts
I am on a zero deductible plan and my employer covers premiums so with DD I paid a 20 dollar copay for prenatal care and 50 for my l&d c-section and 5 days in the hospital. All things being equal it should be roughly the same for the twins.
pomegranate / 3401 posts
Nothing for prenatal care (all was included in my insurance), $250 copay for delivery and $250 copay for her NICU stay. Although we got her itemized NICU stay bill and it was $800k.... thank god for insurance.....
eggplant / 11824 posts
Probably around 1k for prenatal care, labs, etc. plus easily several hundred just in gas money back and forth every week to the OB! Haha
Delivery and care for me and LO (including her heart specialist visit and EKG) were around $3k total.
The insurance I had at the time was "good" employer paid coverage. My pregnancy spanned 2 insurance years.
grapefruit / 4418 posts
$6k which was my deductible over 2 plan years. Next baby will cost me like $100 since I'm starting a new job at a health system - so excited!!
pomelo / 5607 posts
Our OOP max is $2500, I think. So shouldn't be more than that. Well, technically I was pregnant before the end of last year, so we would have had a few copays, but we had already hit my max for the year.
The termination last year was $25,000, up front, but insurance reimbursed us for all but the $2,500 OOP amount. I don't know of any reason why this birth would be any different for our personal costs, though I have no idea what the bill amount will be for insurance to pay.
grapefruit / 4988 posts
DH has really good health insurance so all prenatal care and delivery stuff is covered. LO cost us $0 out of pocket.
When I had a miscarriage, we had a co-pay for my follow-up appointment because it wasn't considered "pre-natal". So that pregnancy cost us $15. For some reason, that bugs me even now.
grapefruit / 4213 posts
$0 for #1, induction
$500 for #2, normal labor (well as normal as almost giving birth in the car, lol)
Two different insurance plans
grapefruit / 4355 posts
LO isn't here yet but I'm at 27 weeks and have so far paid $50 for all prenatal care (numerous bloodwork, genetic testing, anatomy scan, etc). I have to get the Rhogam shot at my next appointment but I don't know if I will owe anything for that.
hostess / watermelon / 14932 posts
$270 for each girl. $20 copay for first prenatal visit, and $250 hospital copay.
blogger / honeydew / 7081 posts
The actual birth cost $0, but we hired a doula, so I add that cost in. We paid about $500.
bananas / 9227 posts
We only paid for DH's stay (dinner, breakfast and lunch). I don't remember exactly how much, but it was under $50. We live in Sweden.
cantaloupe / 6630 posts
Last time pregnancy and delivery were $0 (Canada) but I spent about $1200 on herbs and $4,000 on acupuncture to actually get pregnant. This time immigration issues mean we don't get free healthcare so it has been $60 per appointment, $162 per ultrasound (3 so far) and $30 monthly thyroid blood tests. If our issues aren't resolved we will be heading back to the UK to the birth where it will be 100% free.
apricot / 411 posts
My heart goes out to anyone who is uninsured in the US. Holy crap. What a spectacular shambles of a system.
pomegranate / 3053 posts
We had a high deductible PPO plan with #1 so about $3500 out of pocket with a section. More if you count all the prenatal visits. labs, and ultrasounds. With #2 we switched to a PPO plan (it was a federal plan) that paid for it ALL with both another section, prenatal visit, labs, and ultrasounds (had more with this baby).
Wish we had knew better with #1. Definitely call to get details of their maternity plans so you either pay less or nothing. Every plan is different depending on what your employer negotiated with the insurance carriers. If you're lucky, they have one that pays for everything. Sometimes it costs a little bit more but it pays off, especially having to figure out all the bills after giving birth. We just paid it b/c we were too tired to look at what it was for with #1.
pomegranate / 3604 posts
First 2: 0$
Third: 108$ for an ultrasound since I went to a private clinic in Ontario while I live in Quebec - RAMQ only covers procedures done in hospitals. RAMQ will reimburse me, Ive just been lazy about submitting it.
pomegranate / 3643 posts
@looch: $250 on top of what our employer contributes or your plan costs $250? Is that just you or family?
@miramira: yup. Even with insurance, by the time you count deductibles, co pays, and premiums, births cost thousands and thousands of dollars.
But heaven forbid our taxes go up!
cantaloupe / 6692 posts
Probably about $3,500 total for prenatal care, 3 unscheduled hospital visits, an induction and c section.
GOLD / wonderful pea / 17697 posts
Close to 7k. It was definitely a deterrent in considering #2.
But with my insurance at my job now it'll be a total of $25 (one-time OBGYN co-pay).
I guess technically $50, since I paid a $25 co-pay to have my IUD removed in Jan.
nectarine / 2821 posts
$0! My HMO insurance made that possible. Kaiser worked out wonderfully for me and my baby, and I had some complications as well.
I take that back, I did have to pay $30 copay for my appointment with my first miscarriage when I thought I needed a D & C. Luckily everything had passed, but 30 dollars was worth not having the procedure! I guess that's not even directly related to having this baby. I did have a small copay for my motrin and colace.
cantaloupe / 6885 posts
0$, including a week long nicu stay. This thread is super eye opening, I had no idea it cost so much out of pocket to have a baby in the US.
apricot / 343 posts
$0 but the statements I received after delivery...oh my. Over $40K for twin delivery, full term no NICU. I shudder to think what it could have been! I am in the US and have Kaiser Permanente.
admin / watermelon / 14210 posts
a lot with charlie since i ended up with a c-section. not sure of the exact number since we got so many bills from so many different departments, but it was definitely over 5k.
but all my fertility treatments, visits, clomid, ultrasounds were completely covered.
nectarine / 2591 posts
About $300 for 3 ultrasounds. I have found somewhere that bulk bills so for LO #2 our only expense should be a portion of the anatomy scan.
clementine / 770 posts
I'm from Canada so baby cost 0$ although I had a semi private room for my 2 day stay afterwards so without my insurance it would have cost something.
But again, so shocked by the costs in the United States, and so thankful for our healthcare system. I was telling my friends about what I've learned on this site and they couldn't beleive it.
I'm also thankful for our year long job protected maternity leave with ei benefits. I was originally bummed because my employer doesn't top up what the government gives. But seeing it could be 12 weeks with no pay, or in my case (NGO with only 12 employees) no leave at all, I'm so so thankful!
You're an amazing group of mamas who make it work in the United States and other less baby friendly countries.
wonderful pear / 26210 posts
@jedeve: I gave birth abroad, where the law is that everyone must have health insurance. There are no employer funded plans, it is completely private, but there are different plans you can purchase.
$250 per month is what it cost to insure only me. My husband and son were another $250 each.
papaya / 10560 posts
Prenatal care for both kids was about 1500/each. I met my 6000 deductible with DD (newborn care, 3 nights in hospital med free birth--I didn't even give birth at the hospital! ambulance cost a ton). DS was around 5-6k too...3 nights med free birth, newborn care, etc.
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