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How much did your LO's birth cost you?

  1. tofuwad

    apricot / 443 posts

    I think including prenatal etc. (apparently because I'm not AMA certain things were "elective"), it was about $8000.

    Just the birth was about $5000.

  2. lovehoneybee

    GOLD / wonderful pea / 17697 posts

    E: A little over 7k, including the deductible.
    G: $25* one-time co-pay, which included prenatal visits, labs, an ER visit, somewhere between 10-12 ultrasounds (I lost track), and a c-section. I don't have a deductible.

    *$65 if you count the $25 visit to the OB to get my IUD out and the $15 processing fee that the practice I started my pregnancy with charged to fill out/fax paperwork to my HR coordinator.

  3. HLK208

    pineapple / 12234 posts

    Around $2k, although it would have been less if my deductible didn't roll over

  4. LovelyPlum

    eggplant / 11408 posts

    @catlady: that's like rubbing salt in the wound. I'm sorry

  5. mrsjd

    clementine / 777 posts

    This thread is so interesting to me. I'm getting real glad my pregnancy is going to fall in one calendar year.

  6. LovelyPlum

    eggplant / 11408 posts

    The one and only benefit I get from my position is awesome insurance, so it cost us our $200 deductible and that's it for the entire hospital stay. They also covered a $900 NICU referral bill, since she had meconium.

    For prenatal care, it was a $10 copay each time, and a $20 copay for each ER visit. That probably amounted to another $200 or so.

    Next time (whenever that is), I'll be under a new insurance policy, and I suspect it won't be quite as awesome.

  7. Mrs D

    grapefruit / 4545 posts

    $0... That was before my insurance changed thanks to obamacare...

    This time it will cost me a $450 deductible...

  8. Caly

    nectarine / 2765 posts

    The birth/hospital stay for me was $100 if I remember correctly. Was 4 nights in the hospital, vaginal delivery of twins. The total bill was 10 or so. My memory isn't great.
    The twins NICU stay of 11 days cost us about $200 if I remember right. Their stay was close to 100k.

  9. Littlebit7

    nectarine / 2243 posts

    Hmm. Our calendar year is July to July and she was born in April. I think for all prenatal and post natal and delivery we didn't even hit my deductible (4,000 individual, 6,000 family.). I paid with our HSA. I wasn't surprised by the bills, that's what an hdhp gives you in exchange for lower monthly premiums.
    I've had years where my health care out of pocket costs were about $100 bucks for the entire year.

    Our insurance is awesome and I'm thankful that DH's work fully funds our family deductible yearly. Whatever we don't use rolls over in our HSA. I'd estimate with have 20k in it by now!!

  10. dc yoga bee

    grapefruit / 4770 posts

    $175 for all prenatal care, and a $32,000 birth.

  11. brownepiano

    persimmon / 1467 posts

    Hospital stays are $100 on our insurance but DH's company will reimburse up to 5 so $0 for the birth.

    I think I paid under $100 for all the prenatal care. Most of it was covered I just had to pay for ultrasounds. But I don't even want to think about how much we pay to have the insurance we do!

  12. yellowbird

    honeydew / 7303 posts

    3000. I was on a high deductible plan. After deductible was met everything else was covered 100%

  13. Smurfette

    GOLD / wonderful coconut / 33402 posts

    I think it was around $3,500 for all prenatal visits, L & D, post labor stay for her and me, and a 6 week PP visit. We paid a couple charges, lab work, ultrasound that insurance didn't cover all of before the birth. But otherwise we paid everything once she was here. One bill for the OB and then we each had one from the hospital. Just remembered I got another bill for the anesthesiologist.

  14. Corduroy

    pomelo / 5258 posts

    I paid $25 for prenatal and $250 for LO1's delivery. We had the same insurance for LO2 but didn't check prior to delivery (and FSA planning). The delivery cost increased to $500.

    No deductible but I have no idea what we're paying for premiums since DH covers it.

  15. PurplePeony

    pomegranate / 3113 posts

    My insurance covers pregnancy- and childbirth-related care 100% so I didn't pay anything out of pocket. I remember seeing $13k on one of the EOBs I got, and there were a few others, so I'm guessing the total cost without insurance would have been in the $16-17k range. I had an uncomplicated, midwife-assisted vaginal birth with no pain meds. The hospital I delivered at only has "all in one" rooms -- you labor, deliver, and recover all in the same private room so you never have to move (unless to the OR for a c-section). I can't even imagine how much the bill would have been if I'd used an OB, had an epi, and/or had a c-section.

  16. pinkcupcake

    cantaloupe / 6751 posts

    @dc yoga bee: did you have to pay $32,000 out of pocket for delivery??

  17. gingerbebe

    cantaloupe / 6131 posts

    I have really great insurance as a state government employee in the US.

    I paid zero for all prenatal visits, which was crazy because I was high risk and had to go back like every 2 weeks, $10 for lab visits, (blood draws, GD screenings, etc), $10 prescriptions (Fenergen for nausea), $15 for radiology when I went in for my anatomy scan, but any repeat scans were free (had to go back because my son wouldn't cooperate).

    I had to go to L&D 3-4 times during my pregnancy and that was free. I labored in a private room for 36 hours, then had an emergency section, a private recovery room for 5 days, 5 days in NICU for DS, and came home with a hospital grade pump rental for free, diapers, a diaper bag full of supplies, lanolin, XL breastpump flanges, breastmilk storage bottles, mesh panties, nipple shield, peri bottles, disposable pee pads, formula nursettes, disposable nipples, drugs, and a friggin hand knit hat given to every new baby from some local knitting group! My nurses plied me with stuff and told me to take anything that wasn't nailed down. I paid $0.

  18. Blueberry

    apricot / 342 posts

    Around $200 each for prenatal and a little under $1000 each for birth and hospital stay. My c-sections/hospital stays were 20k each so I'm very thankful for our insurance.

  19. Anagram

    eggplant / 11716 posts

    $10 copay for all prenatal visits/tests/scans plus hospital stay and newborn care.

  20. FannyMae

    persimmon / 1461 posts

    Private Obstetrician cost $3500, with about $900 returned by Medicare.

    Hospital Stay - $250 excess fee, the rest covered by my private health insurance.

    Anaesthetist - $350 excess, the rest covered by insurance.

    Scans/Bloods/Harmony - Probably about $1000 - $1500 in total for 2 x major ultrasounds, 3 x bloods and Harmony test (that one was super expensive and not covered by private health insurance).

    Would have cost much less if giving birth in the public hospital, covered by Medicare.

  21. littlejoy

    pomegranate / 3375 posts

    $1,800 ... That includes all prenatal & postnatal care. We used home birth midwives. Their total cost is $4,200, but insurance paid for over 1/2 of it.

  22. dc yoga bee

    grapefruit / 4770 posts

    @pinkcupcake: no, my portion for all prenatal care and my $32,000 delivery was $175 total. The reg was covered by insurance. I had a lot of complications throughout, and then an induction. A costly pregnancy, but luckily all insurance covered, and no deductible. I don't get paid as much as I would in private industry, but the health insurance benefits alone are enough to make me stay in the govt until I'm done having children!

  23. mrsbubbletea

    nectarine / 2821 posts

    @catlady: t hat happened to me too! I was so annoyed.

  24. Bao

    GOLD / wonderful apricot / 22276 posts

    1k each time, after insurance. Private room, vagibal birth. I think the actual bill to insurance was around 6-7k. The 1k is our deductible for hospital visits.

    ETA: I lied, LO1 was $0 hospital stay LO2 should have been 1k but we paid in full so it was $800.

  25. Periwinkle

    pear / 1879 posts

    Last time, $0. By far, the best perk of being a state employee is amazing health benefits.

  26. Tanjowen

    nectarine / 2521 posts

    $2,600 to the OBGYN for pre-natal care (our deductible cost), and then we paid $1,200 to the hospital for my stay, and $800 for the epidural (which didn't work, so that was fun).

    I stayed 2 nights in the hospital, which includes laboring, and they provided all my meals, a lactation consultant, a newborn baby gift, water bottle, socks, baby blanket, any products I needed for my lady bits to take home, and nurselettes for they baby if needed.

  27. Astro Bee

    pear / 1503 posts

    @Caly: Oh wow! I'm glad you have insurance then. I can't imagine having to pay $100K!

    @dc yoga bee: Whew! Well worth staying there for at least a little while longer, for sure.

  28. LilSprinkles

    clementine / 778 posts

    $0. Benefit of DH being a government employee.

  29. sapphire

    nectarine / 2173 posts

    I don't remember the exact cost, but we were able to use HSA dollars to pay for all of it. I thankfully have both primary insurance and then secondary through DH. My plan covers most things at 80% and his covers most at 90% so it really helps to have both. We also added LO to DH's insurance because we do t have premiums on depends at through his insurance. It took awhile to get the claims straightened out (because they automatically bill LO's hospital stay to the mother's insurance) but we did eventually get it all sorted out.

  30. jhd

    coconut / 8079 posts

    We paid several thousand but some of that included prenatal care I think. LO had a rather traumatic entry into the world and lots of health concerns in those first few weeks. When my insurance was kicking back and trying to pin it on DH's insurance we got a hospital bill in the six figure range. Thankfully it was resolved after a while.

  31. Caly

    nectarine / 2765 posts

    @Astro Bee: I gotta admit that while the girls were in the NICU, in the back of my mind I was thinking the bill was going to be huge. So, when we received the bill for our portion which was only a couple hundred dollars, I was shocked...in a good way.

  32. MrsSRS

    nectarine / 2987 posts

    We had a NICU stay too. I jokingly referred to DS as our 100,000 dollar baby, but it was actually a bit more than that. We only had to pay a small portion, but it was enough to wipe us out at the time!

    DD was about $600 plus ultrasounds and labs.

  33. schubr03

    apricot / 486 posts

    After our insurance, we paid about $2000 out of pocket. That didn't include our OB. Our OB cost us about $1000.

  34. clover

    kiwi / 557 posts

    For LO1, $100 for my hospital admission and $100 for his admission.

    For LO2 the actual birth and hospital stay for myself cost 0 since I had already reached my $250 deductible (everything prenatal was covered except my non stress tests until I reached the deductible). I also owed $125 for my daughter's deductible.

  35. lilteacherbee

    cantaloupe / 6791 posts

    We paid about $1500 for each c-section after insurance (including the babies' stay).

  36. QBbride

    pomegranate / 3192 posts

    Yikes! These numbers are scary

    Both births cost me $0.

    DS - midwife for prenatal care/birth/postpartum care for 6 weeks, induction with oxytocin, vaginal delivery, 1 night in hospital (born at 7pm, left the next morning).

    DD - midwifery care, vaginal delivery, pediatrician at delivery for meconium, born just after midnight and left about 8 hours later.

  37. Mamaof2

    squash / 13208 posts

    3K for each - they were both c/s and that includes prenatal, birth , and post natal

  38. snowjewelz

    wonderful kiwi / 23653 posts

    I think it was above 3k but under 5k.

  39. josina

    pomegranate / 3973 posts

    I believe it was around $3500 for prenatal + OB (delivery charge). $1000 for the hospital bills and $250 for the epidural.
    I had a 2k deductible + 30% copay, but me and DS were on 2 different plans.
    Baby 2 should be closer to $1400 as we switched insurance and have 1 $700 deductible with $1400 out of pocket max.

  40. Astro Bee

    pear / 1503 posts

    Hearing all of these stories makes me so thankful to live where I don't even have to think about whether I have the right insurance plan or work for the right employer that will ensure that whatever health problems or hosptital stays I might have that year will be covered. There are enough worries associated with pregnancy and having a baby that how you will pay for it shouldn't be one of them. Of course, as posters in another thread state, we are all paying for it somehow. However, I also think my mental health, at so crucial a time, is worth something as well! And I think seeing a high hosptital bill, even if I ended up not having to pay for most or even much of it would cause me to break out in a cold sweat, at the very least.

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