normal delivery child birth

[ilovehim30 34]

how much do you think will a normal delivery child birth will cost in a hospital in the US?

how much each prenatal and postnatal gonna cost?

with and without insurance.

thank you

[Penguin_ie 5,984]

It varied widely on the area where you life and if you have insurance, on your deductibles/ co-pays.

We self-paid for our youngest child. The whole pregnancy (all appointments, standard labwork, vaginal delivery with one night's hospital stay) cost around $9000, and that was with a 33% discount for paying for all the pre-natal stuff at the first appointment.

[Penny Lane 8,159]

Holy #######. 9k?!

[aaydrian 479]

Holy #######. 9k?!

And that's when it comes out of the #######.

It's $40,000+/- for the cesarean.

[Ontarkie 13,902]

9k is about what I saw from the bills after I had my youngest, but that was with insurance and just the hospital. We only payed about 700$ but I had no epidural or other pain meds. I'm told the epi would of added another 1k+ to the bill. The doctors copay was payed up front and his bill was 700ish but they ended up sending us a check back for something like 75$.

I heard it depends on where you live also, so I guess it can be much more then that.

[John&Juvy 36]

Even with the health insurance we still payed about more than $5000 from the hospital and doctor's bills. The prenatal, probably another $2000 there.. Natural Birth.

[Xanax 349]

For us:

Our quote without insurance for a vaginal birth was ~ $4000 for prenatal and delivery with the OB (from 8 weeks gestation) and ~$3000 for our 2 day stay in the hospital and birth including circumcision if wanted. This cost was not inclusive of any NICU, Anesthetics / Anesthesiologist/ or any other practitioner(s) that we needed or any other services we needed apart from the hospital bed and general hospital staff. We also had lab fees which were not covered by the prenatal fees and anything that was not done in the OB's lab by his staff ie/ it was sent out to another facility and we were billed directly from them.

Our quote with insurance. Insurance pays 80% until we reach our out of pocket maximum ~$1000 with a deductible of $300. We expect to have around a $2000 bill at the end of it all (deductible for baby and Mom) but that will be pretty much all we pay for the year. Unfortunately we also have to pay for some medications associated with pregnancy / pregnancy complications which are separate and have a co-pay which is generally around $10-$15 per script for us but also contribute to the out of pocket maximum.

It really depends on 1) where you live, 2) your insurance provider if you have insurance (some people will pay nothing and some will still end up paying a lot like John&Juvy), 3) The services available in your area (midwife/ OB/ home birth/ birthing center), 4) Vaginal birth, VBAC, C-section , 5) If you or child have any complications (if there is something seriously wrong with Mom or baby and you need NICU or ICU anything major you can be looking at hundreds of thousands etc).

Edited January 11, 2013 by Xanax

[ilovehim30 34]

thank you all for the response.

i will be with my fiance in new york state.he told me that his insurance can cover 80%.

im just trying to figure out how much would it cost.

[NikLR 13,220]

Thank god I'm not having any more kids.

[JoBri 545]

We were very lucky, and not that well off financially. Someone at a free clinic here in Tennessee put us in for CoverKids of Tennessee. It covered all our costs for all doctor visits 100% while pregnant and through delivery. We were able to go to a rather pricey place not even 5 minutes from home when she was pregnant. And she had the baby by C-section at a hospital right next door to that place, one of the more expensive hospitals in the area. Then TennCare Medicaid picked up our son's health care costs from birth on. At or below 250% poverty level qualified.

Edited January 11, 2013 by Brijo

[Xanax 349]

thank you all for the response.

i will be with my fiance in new york state.he told me that his insurance can cover 80%.

im just trying to figure out how much would it cost.

After you meet your out of pocket maximum they should hopefully pay 100% for in-network providers/ hospitals.

The best idea to work out home much it will cost is to look at your fiance's health insurance, check out you deductible, out of pocket maximum and any co-pays you have.

Edited January 11, 2013 by Xanax

[Penguin_ie 5,984]

Yeah I ended up with an epidural and that alone was $800-ish.

Ironically, VBAC was marginally cheaper that if I hadn't has a c-section before