Is it expensive to have a baby in the US? - Mothering Forums

Forum Jump: 
Reply
 
Thread Tools
#1 of 40 Old 03-14-2011, 05:30 AM - Thread Starter
 
Plarka's Avatar
 
Join Date: Jul 2008
Posts: 469
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)

I live in the UK but am American.  I've had my babies over here though.  My sister said that my SIL and brother have a $10,000 bill from the hospital from having the baby!!! Is this normal over there?  (It's all free over here.)


Mom to dd1 7/2007, dd2 2/2010, and ds 7/2006 in heaven
Plarka is offline  
#2 of 40 Old 03-14-2011, 05:53 AM
 
SubliminalDarkness's Avatar
 
Join Date: Sep 2009
Location: Outside of Augusta, GA
Posts: 1,441
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)

Yes, or much more. And I'm guessing that 10,000 didn't include prenatal or postnatal care, just the delivery itself. 

SubliminalDarkness is offline  
#3 of 40 Old 03-14-2011, 05:59 AM - Thread Starter
 
Plarka's Avatar
 
Join Date: Jul 2008
Posts: 469
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)

Doesn't insurance cover this stuff?  Man oh man, that's crazy!  So does everyone have these bills?


Mom to dd1 7/2007, dd2 2/2010, and ds 7/2006 in heaven
Plarka is offline  
#4 of 40 Old 03-14-2011, 06:02 AM
 
woodchick's Avatar
 
Join Date: Jan 2007
Location: North of Boston
Posts: 2,109
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)

Our insurance covered our births. We paid a co-pay, but it was less than $1000.


Pregnant and/or Breastfeeding since 2005
Mama to two girls: 5/06 and 3/09
woodchick is offline  
#5 of 40 Old 03-14-2011, 06:33 AM
 
mamadiamond's Avatar
 
Join Date: Feb 2011
Location: san diego
Posts: 316
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)

my birth was free because my husband is in the military so we have very very good insurance, but without insurance it would have been $8,000 just for the birth, not counting the pre-natal care and testing.


betsy:  wife to tony, mama to haven (7/6/10), arlo (m/c 1/21/12), and expecting valencia in late december.

"we are the music makers and we are the dreamers of dreams" - arthur o'shaunessy
 
"if there is no dancing then it is not my revolution" - emma goldman

mamadiamond is offline  
#6 of 40 Old 03-14-2011, 06:37 AM
 
poorlittlefish's Avatar
 
Join Date: Jul 2008
Posts: 310
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)

We paid $5K out of pocket but we have a high deductible plan.  With out older DD, we had much more expensive insurance and the birth didn't cost anything out of pocket.  It really depends on the route you want to take with insur

 

This might be being anal but your birth wasn't "free."  I have issue when people with national health care plans say that things were free, they are paid for with taxes so you are paying for them one way or another.

poorlittlefish is offline  
#7 of 40 Old 03-14-2011, 06:41 AM
 
happysmileylady's Avatar
 
Join Date: Feb 2009
Posts: 1,216
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)

Unless someone doesn't have any insurance at all, it's pretty unusual to receive a bill for the whole $10k for a delivery, most of it is usually covered by insurance.  There's usually some sort of co-pay, $1k, $2k, etc.  Now, if a delivery is not typical, if there are complications, then the overall bill goes much higher, which means the out of pocket cost for the parents would go much higher as well.  That could result in an actual bill for $10k.  Or, as I said, if they have no insurance at all and are totally self pay, then they might receive a bill for $10k. 

 

But if they have insurance, and the delivery was without complications, it's more likely that all they have seen is what the delivery actually cost, not necessarily what they owe.

 

I imagine that in the UK and other universal healthcare countries, deliveries still run similar numbers, it's just that you don't see it because it's paid for by the universal healthcare system. 

happysmileylady is offline  
#8 of 40 Old 03-14-2011, 07:00 AM - Thread Starter
 
Plarka's Avatar
 
Join Date: Jul 2008
Posts: 469
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)


Quote:
Originally Posted by poorlittlefish View Post

We paid $5K out of pocket but we have a high deductible plan.  With out older DD, we had much more expensive insurance and the birth didn't cost anything out of pocket.  It really depends on the route you want to take with insur

 

This might be being anal but your birth wasn't "free."  I have issue when people with national health care plans say that things were free, they are paid for with taxes so you are paying for them one way or another.



I don't work, so I don't pay National Insurance, so it's free for me.


Mom to dd1 7/2007, dd2 2/2010, and ds 7/2006 in heaven
Plarka is offline  
#9 of 40 Old 03-14-2011, 08:05 AM
 
chattyprincess's Avatar
 
Join Date: Feb 2009
Location: Toronto, ontario
Posts: 1,046
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)

I have had 2 dd's with our insurance my prenatal care is free and both births were free. I have never had a bill and never will have a bill (dd1 is 4.5 and dd2 is 8mths). It competely depends on your insurance etc. That being said we are expats in Canada right now and if I had delivered my girls here I would have had to pay $30,000 out of pocket to be reimbursed by my insurance.(we would have had to mail the bills to our insurance and then  be cut a check from them to make up the costs, huge hassle) Certain parts of the health care up here is free for residence and if you qualify for a health card but it is not free to everyone.....

That being said I find the $10,000 out rageous, we saw the bills from both of my deliveries and what our insurance paid and there is no way it was even close to that!

chattyprincess is offline  
#10 of 40 Old 03-14-2011, 08:24 AM
 
Join Date: Jan 2010
Posts: 3,275
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)

The big problem over here is that everybody's insurance is different-- if they have insurance at all. We are super duper lucky to have VERY good insurance, and my co-pay was $100 for delivery, including all of the stupid interventions I had to have because of my stupid blood pressure (I'm not bitter). But a friend who delivered at the same hospital had a $5,000 bill to pay because her insurance didn't cover everything. There is no national health care because of OMG SOCIALISM, and coverage for people who need it from the state varies state by state (and if you're here in Arizona, is basically non-existent anymore).


bedsharing, knitting, toddler-nursing, nerdy, babywearing mama!

familybed1.gif  knit.gif toddler.gif  geek.gif  momsling.GIF

Knitting Mama is offline  
#11 of 40 Old 03-14-2011, 08:42 AM
 
Greenlea's Avatar
 
Join Date: Apr 2010
Location: near Chicago, IL
Posts: 931
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)

I had insurance with my first son, so my bill was $2500 which was my deductible.  I don't know what my insurance actually paid out though.  However, I have talked to several moms and many that actually saw their bills said they were charged things that they never had, like lab costs or a urine sample.  My SIL was charged for an epidural she never had! 

 

With my 2nd I didn't have insurance, but we also made too much to qualify for any type of aid.  When researching our options I found the hospital by us charged $10-17K for a birth (not including prenatal, etc.).  And that was for a typical birth, no emergencies and not for a c-section.  If I wanted to birth there w/out insurance I had to come up with $2500 up front for the midwife too, then I would get a bill for the actual birth later. 

 

We decided to do a homebirth then, so we didn't have that debt hanging over us and a CNM was charging $4000 for a homebirth.  We went with a lay midwife though that cost us only $2000 plus $40 for each prenatal visit.

 

So yeah, having babies is expensive.


Vegetarian broc1.gifmother to wave.gif(3/09) peace.gif  (11/10) and belly.gif(4/13)

Greenlea is offline  
#12 of 40 Old 03-14-2011, 09:04 AM
 
SubliminalDarkness's Avatar
 
Join Date: Sep 2009
Location: Outside of Augusta, GA
Posts: 1,441
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)

I'll agree here that it depends on your insurance. Some people don't have insurance and have to pay out of pocket. Some people have state insurance because they qualify based on low income and so they don't have to pay for it out of pocket.

 

With the insurance we had when DS1 was born our hospital was covered at 80%, so we had to pay that 20%. I think the overall bill was around $8,000 and that was a Pitocin induction, epidural, and three total days in the hospital. DS1 and I were healthy and we didn't have any complications. 

 

With DS2 our insurance covered 100% after our $100 co-pay for any in-patient hospital care. That bill was around $7,000 and that was no medication of any kind except one dose of Cervadil, and we were only in the hospital for one day but we 'upgraded' to a private room. 

SubliminalDarkness is offline  
#13 of 40 Old 03-14-2011, 10:24 AM
 
SunRise's Avatar
 
Join Date: Apr 2005
Location: CNY via Canada
Posts: 1,539
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 1 Post(s)

With my first, I had insurance through my work, so besides the amount I paid monthly for insurance, I didn't pay anything else.

 

With my second I had private insurance. SO I was paying for private insurance (started @ 900 / mth and went up 200 each year). Other then paying for the insurance, I didn't have other costs associated with prenatal and delivery.

 

A self-pay quote from the OBG for prenatal and a none-complicated birth was 6000 for prenatal appts and aprox 6000 for the birth. And then more money for the pediatrician check up in the hospital. I chose the private insurance just in case.


Sara - Mum to C (10/02) ; m/c 10/07; 7/08; 3/09; Lucy Olive Feb 28, 2010 !
SunRise is offline  
#14 of 40 Old 03-14-2011, 10:32 AM
 
Areia's Avatar
 
Join Date: Mar 2009
Posts: 395
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)


Quote:
Originally Posted by SunRise View Post

With my first, I had insurance through my work, so besides the amount I paid monthly for insurance, I didn't pay anything else.

 


 

Same here.  I didn't have a co-pay for my pre-natal care or the hospital birth (I did get a break down of cost for the birth though and it was just over $15,000).  However, my plan didn't cover my doula so that cost us $1,200.
 

 

Areia is offline  
#15 of 40 Old 03-14-2011, 10:39 AM
 
Bokonon's Avatar
 
Join Date: Aug 2009
Location: San Diego
Posts: 2,975
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)

Delivery and special care unit for my son who was 8 weeks premature was over $250,000, almost 6 years ago.  I have good insurance, and paid $1200 for the entire pregnancy and both of our hospital stays.

 

When my 6-week premature daughter was born, I spent 3 weeks in the hospital and she spent 10 days, and her stay was over $100,000 alone, and I never saw a statement for my acute care stay and all the medications and procedures I had done.  We had difference insurance that time and I think we paid $750 for my whole pregnancy and both our stays.

 

And OP, even if YOU aren't paying into the system, everyone who works is.  At some point in your life when you do pay into the system, it will be to cover everyone else as well.  Nothing is free.


A, jammin.gif mama to a boy (2005) and a girl (2009)
Bokonon is offline  
#16 of 40 Old 03-14-2011, 12:49 PM
 
allisonrose's Avatar
 
Join Date: Oct 2004
Location: NoVa
Posts: 2,000
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 1 Post(s)

For my recent birth, the hospital billed my insurance company about $10,000 for me (only stayed one day rather than two) and another $1,000 for my son's stay. The OB on call billed them another $2,000 for delivering and the ped also billed $250 for seeing my son in hospital. The insurance company reduced the fees and covered their portion and our part will be roughly $1,600.

 

For my first birth, the hospital billed the insurance something along the lines of $18,000. Our copay was $400.


Mama to Blake, 5, and Grant, 3
ribbonpb.gif
allisonrose is offline  
#17 of 40 Old 03-14-2011, 12:52 PM
 
P.J.'s Avatar
 
Join Date: May 2010
Posts: 1,545
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 2 Post(s)

I'm American and well aware of health care costs there, but I am sitting here like: jaw.gif as I read this!

 

We live in Germany, and I am on public insurance (not the same as universal, but what is required by law if you are employed). I have no deductible, and my insurance paid for all of the following:

 

~ 6x ultrasound, including once at a specialist to check for a suspected problem

~ all regular midwife prenatal care

~ midwife at beginning of home birth

~ hospital birth / cesearean and 5 days of care in hospital afterwards

~ midwife post-natal care; home visits up to 8 weeks PP & 1x gyn visit

~ consultations with lactation consultants and a colic advisor

~ iron supplements PP

~ rental of pump for 1 month

 

The only things I had to pay for out of pocket were:

 

~ the quarterly "office fee" at my gyn's office 2x, which is 10 € each time

~ our room at the hospital, which we chose to have...they would've paid for a "normal" room, but we opted for the "family room" which was deluxe with our own bathroom and room for all of us, DH and baby stayed with me in the room the entire 5 days. It cost 75 € / day.

 

Regardless of who pays for it, medical costs here are way below what they are in the US. It's all highly regulated and by law there is a fixed price for every single thing a doctor does. I'm still always surprised when I see how comparatively little a trip to the doc costs here.

 

The pathetic state of health insurance in the US is one of the main reasons we aren't moving back there, unfortunately. I sure hope it changes someday. In the meantime I feel slightly guilty for what I get here when I have to listen to my mother cry over her neverending insurance nightmares. Anyway, I digress.....


Mama since 2010
Multicultural living in Europe
P.J. is online now  
#18 of 40 Old 03-14-2011, 01:35 PM
 
1stTimeMama4-4-10's Avatar
 
Join Date: Feb 2010
Posts: 626
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)


Quote:

Originally Posted by happysmileylady View Post

Unless someone doesn't have any insurance at all, it's pretty unusual to receive a bill for the whole $10k for a delivery, most of it is usually covered by insurance.  There's usually some sort of co-pay, $1k, $2k, etc.  Now, if a delivery is not typical, if there are complications, then the overall bill goes much higher, which means the out of pocket cost for the parents would go much higher as well.  That could result in an actual bill for $10k.  Or, as I said, if they have no insurance at all and are totally self pay, then they might receive a bill for $10k. 

 

But if they have insurance, and the delivery was without complications, it's more likely that all they have seen is what the delivery actually cost, not necessarily what they owe.

 

I imagine that in the UK and other universal healthcare countries, deliveries still run similar numbers, it's just that you don't see it because it's paid for by the universal healthcare system. 

 

Actually no.  In universal healthcare countries, healthcare costs are dramatically less expensive. http://www.visualeconomics.com/healthcare-costs-around-the-world_2010-03-01/ The healthcare costs in the US are staggering compared with virtually every other industrialized nation. The cost of birthing a healthy babe in most countries would not come close to $10k.  For that matter, in the US it shouldn't come close to that.  For all of my prenatal care and the birth itself it was going to cost around $4k TOTAL at my birth center (which was all covered by insurance).  We transferred to the hospital, so it would have been a bit more, but not $10k. 


Happy fly-by-nursing1.giffamilybed2.giffemalesling.GIF, delayed/selective vaxxing, WOHM to DD1 4/10 diaper.gif, DD2 8/12 babygirl.gif and partner/wife for thirteen years to SAHD DHsuperhero.gif.  

1stTimeMama4-4-10 is offline  
#19 of 40 Old 03-14-2011, 02:16 PM
 
Bokonon's Avatar
 
Join Date: Aug 2009
Location: San Diego
Posts: 2,975
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)


Quote:
Originally Posted by 1stTimeMama4-4-10 View Post


Quote:

 

Actually no.  In universal healthcare countries, healthcare costs are dramatically less expensive. http://www.visualeconomics.com/healthcare-costs-around-the-world_2010-03-01/ The healthcare costs in the US are staggering compared with virtually every other industrialized nation. The cost of birthing a healthy babe in most countries would not come close to $10k.  For that matter, in the US it shouldn't come close to that.  For all of my prenatal care and the birth itself it was going to cost around $4k TOTAL at my birth center (which was all covered by insurance).  We transferred to the hospital, so it would have been a bit more, but not $10k. 


But how much do malpractice premiums factor into that?  Isn't that partly what's driving up healthcare costs in the U.S., especially in obstetrics?

 


A, jammin.gif mama to a boy (2005) and a girl (2009)
Bokonon is offline  
#20 of 40 Old 03-14-2011, 02:28 PM
mra
 
mra's Avatar
 
Join Date: Jul 2008
Location: Arizona
Posts: 205
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)

I only paid one $40.00 copay at the beginning of my pregnancy. My insurance covered everything else, including the birth.


 
 
winner.jpg  cd.gif  femalesling.GIF  familybed1.gif

mra is offline  
#21 of 40 Old 03-14-2011, 02:49 PM
 
poppiesinjuly's Avatar
 
Join Date: Sep 2009
Posts: 71
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)

I had a normal, vaginal, hospital birth in January, no complications, and the bill for just the birth was 21K.  Thank goodness for insurance.  We didn't pay a thing.  I don't know how people do it.

poppiesinjuly is offline  
#22 of 40 Old 03-14-2011, 03:00 PM
 
howeberry's Avatar
 
Join Date: Mar 2011
Location: NJ
Posts: 151
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)

My son was delivered in December by C-section. (DS was post dates and a failed Castro Oil induction made my water leak - I'm still very annoyed at it ruining my dreams of a natural home birth...or ever being able to home birth in NJ in the future.)

 

My induction, operation, anesthesia, ds's nursery charge, pediatrician check ups and our 4 day hospital stay was all billed to my insurance at over $45,000. The insurance paid for about half this through their "negotiated rate". My remaining bill was $1,500. Add another $500 for my midwives out-of-network charge. If I had had my home birth, all I would have paid was $500 out of pocket....

 

My insurance was the best my company offered (a high option PPO). The cost of my ultrasounds were covered except about $15/ultrasound for the hospital fee.

 

Some of the cost may be because I live in NJ and everything tends to be more expensive here.


  

howeberry is offline  
#23 of 40 Old 03-14-2011, 03:15 PM
 
Annie Mac's Avatar
 
Join Date: Dec 2009
Posts: 1,150
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)

When I got pregnant, we did some research for our area. We had insurance, but not maternity insurance. To walk in to the hospital & have the baby would have been about 8 grand. That doesn't include prenatal care or any complications. Just a bed and a doctor and nurses. And I imagine that was the insured rate; god only knows what the uninsured rates were. It was a big big big factor in our decision to move back to Canada. Good thing too, because I had a difficult pregnancy and very complicated birth. I hate to think what it would have cost us in the end. Thankfully, we had the choice to live in a country with universal healthcare; not everyone has that option.

Annie Mac is offline  
#24 of 40 Old 03-14-2011, 03:15 PM
 
eclipse's Avatar
 
Join Date: Mar 2003
Location: Mexico
Posts: 7,862
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
When my son was born 10 years ago, we were insured and didn't pay anything other than a $10 co-pay for the first prenatal. However, the hospital accidentally sent us the bill for the delivery and hospital stay, so I got to see it before ti got paid. It was something like $10,000 for both him and I, including about 24 hours in the NICU. It didn't cover anesthesia (I had an epidural) and I think there were a few other things not included. This was only for the hospital stay, not for prenatal. For DD (2 years later), who did not have a NICU stay and with one day less stay in the hospital, it was between 6 and 7K. I didn't see the bill for DS2, but since he was preterm and we had about a billion specialists in the room when he was born, I expect it was pretty high.
eclipse is offline  
#25 of 40 Old 03-14-2011, 03:19 PM
 
1stTimeMama4-4-10's Avatar
 
Join Date: Feb 2010
Posts: 626
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)

Oh I'm sure that insurance premiums for doctors is a major factor in the disparity - what I was saying was that US costs are way higher than most other countries, and that for a healthy birth, a pricetag of $10k is outrageous. I wasn't saying that it doesn't happen - just that it's absurd. 


Happy fly-by-nursing1.giffamilybed2.giffemalesling.GIF, delayed/selective vaxxing, WOHM to DD1 4/10 diaper.gif, DD2 8/12 babygirl.gif and partner/wife for thirteen years to SAHD DHsuperhero.gif.  

1stTimeMama4-4-10 is offline  
#26 of 40 Old 03-14-2011, 04:25 PM
 
Peony's Avatar
 
Join Date: Nov 2003
Posts: 25,327
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 1 Post(s)

We have insurance, we pay over $700.00 a month for insurance that does not cover squat, including anything related to maternity. When are are self-employed or work too little to get benefits ( I work for a health dept no less!), and make too much for any programs that help, you get left with private insurance that is a complete joke. 8 years ago we pre-paid for my DD1's birth which was not much under 10K, for every child then on we do homebirths. If something happens then we will be left with thousands in medical bills. My DD2 had health problems after contracting a disease, we spent 20K her first year of life, with insurance, covering all the things they wouldn't pay for. Like O2. She was completely O2 dependent for 6 months and they would only cover 1/4 of the bills for O2. Some of her meds ran close to 1K a dose and had to be prepaid, insurance didn't cover. DD1 has multiple disorders, insurance doesn't cover any therapy for her, for 3 years now, we've covered therapies 4 days a week out of pocket, they are not cheap either. Let's just say that I am only *slightly* bitter about the state of the medical and insurance system in the US. 


There is no way to happiness, happiness is the way.
Peony is offline  
#27 of 40 Old 03-14-2011, 04:39 PM
 
JudiAU's Avatar
 
Join Date: Jun 2008
Location: Where creepy facebook-featured threads can't find me
Posts: 3,610
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 4 Post(s)

I think the total cost of a standard delivery at our hospital in a major urban center with full scale NICU etc was around $17000. That didn't include pre or post natal care and the insurance company probably paid far less. I think we spent around $200 because everything else was covered.

 

A home birth with an experienced midwife is usually around $5000 which may or may not be covered by insurance.

JudiAU is offline  
#28 of 40 Old 03-14-2011, 04:58 PM
 
MaerynPearl's Avatar
 
Join Date: Jun 2008
Location: Hubert NC
Posts: 14,540
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)

my first two births were covered 100%

 

my most recent one was not covered at all... I had a homebirth in between insurance switch. It was less than $3500 out of pocket including both of my midwives and all of the supplies I bought for it 


Artist, photographer, stay-at-home-mom and Marine wife. Mom to 4; a boy and three little girls.
MaerynPearl is offline  
#29 of 40 Old 03-15-2011, 07:51 AM
 
WifeofAnt's Avatar
 
Join Date: May 2010
Location: USA
Posts: 1,804
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 4 Post(s)

My husband is also in the military so it was covered 100%.  I hope by the time we have another they will also cover CPMs.


This Mommy and Military Daddy are loving their son.
DS born Dec 2010 Pregnant with #2, having another !
WifeofAnt is offline  
#30 of 40 Old 03-15-2011, 04:48 PM
 
Dlynn918's Avatar
 
Join Date: Feb 2011
Posts: 406
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)

It really depends on if you have insurance and what kind you have, so it's very situational. I haven't paid a penny out of pocket for my pregnancy and didn't for either of my two previous births. That being said, I know others who have less of an insurance plan and have had to pay a chunk out of pocket of $500 or more. Keep in mind we pay a monthly family fee taken from my husbands pay check to cover us for whatever we need, but there are no co pays or deductables for maternity care under our plan. If you don't have insurance and don't qualify for state aid, you are up the creek as the cost of health care out of pocket is astronomical! For example, an ibuprofen tablet could cost you $10 a piece, and a vaginal birth around $12,000 with an OB or $4,000 with a midwife in the hospital or birth center. Everything here in the states is dictated by insurance companies and the growing costs of liability insurance which is driving many OB's and midwives out of practice. Liability here is 18 years after the birth, so if your child develops a problem up until 18 the OB can be sued whether it is his/her fault. On the other hand, if we went with the home birth we would have had to pay $500 out of pocket and for all of our birth supplies with insurance. No insurance, $3,000 plus birth supplies for prenatal/postpartum/infant care for 2 weeks home visits. Now that were back to my old obgyn/midwife were going to use the money we would have spent on the HB on a Doula. stillheart.gif

 

PS..HI PJ!!!! blowkiss.gif


And Baby makes five!!! grouphug.gif +dog2.gif x2!
Dlynn918 is offline  
Reply

Quick Reply
Message:
Drag and Drop File Upload
Drag files here to attach!
Upload Progress: 0
Options

Register Now

In order to be able to post messages on the Mothering Forums forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.
User Name:
If you do not want to register, fill this field only and the name will be used as user name for your post.
Password
Please enter a password for your user account. Note that passwords are case-sensitive.
Password:
Confirm Password:
Email Address
Please enter a valid email address for yourself.
Email Address:

Log-in

Human Verification

In order to verify that you are a human and not a spam bot, please enter the answer into the following box below based on the instructions contained in the graphic.



User Tag List

Thread Tools
Show Printable Version Show Printable Version
Email this Page Email this Page


Forum Jump: 

Posting Rules  
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are Off