Search thousands of topics on CostHelper.com

BROWSE ALL TOPICS >> appliances babies & children  cars  consumer electronics health & personal care home & garden personal finance  pets  schools small business weddings
CostHelper > Babies & Children  > Baby Delivery

Baby Delivery Cost


How Much Does Baby Delivery Cost?

 
low costWith Insurance: From Under $500 to $3,000 or moreaverage costVaginal Without Insurance: $9,000-$17,000high costC-Section Without Insurance: $14,000-$25,000
post E-mail post Post   Comments (59)

The total cost of baby delivery typically consists of: the services of the obstetrician/gynecologist and pediatrician; services of the anesthesiologist and epidural, if used; the cost of your stay in the hospital room and board; a nursery fee; laboratory fees; and any medications or medical supplies. If you are insured, your insurance provider probably will receive the itemized bill, but you might receive separate non-itemized statements from the hospital and the different doctors.

Typical costs:

  • The biggest factors affecting the cost of a birth are: whether it is vaginal or Cesarean; whether there are complications; and the length of the hospital stay. Geographical location also plays a part; baby delivery is most expensive in the Northeast and on the West coast and least expensive in the south. For patients not covered by health insurance, the typical cost of a vaginal delivery without complications ranges from about $9,000 to $17,000 or more, depending on geographic location and whether there is a discount for uninsured patients. The typical cost for a C-section without complications or a vaginal delivery with complications ranges from about $14,000 to $25,000 or more.
  • For patients with insurance, out-of-pocket costs usually range from under $500 to $3,000 or more, depending on the plan. Out-of-pocket expenses typically include copays -- usually $15 to $30 for a doctor visit and about $200 to $500 for inpatient services for delivery. Some insurance plans only cover a percentage -- usually about 80 to 90 percent after a deductible is met, so you can easily end up reaching your yearly out-of-pocket maximum. In most plans, that ranges from about $1,500 to $3,000. According to a study by the March of Dimes Foundation[1] , the average out-of-pocket cost for a vaginal delivery for privately insured patients was $463 and for a C-section, $523.
  • Usually, the baby receives a separate bill, which typically ranges from $1,500 to $4,000 for a healthy baby delivered at term. For a premature baby with complications who has to spend weeks in a neonatal intensive care unit, this bill can reach tens of thousands of dollars.
  • Baby delivery usually is covered by health insurance. Even if you join a group health insurance plan after you already are pregnant, delivery still will be covered; according to the U.S. Department of Labor[2] , the federal government prohibits group health insurance plans from treating pregnancy as a pre-existing condition, or, if they offer maternity coverage, from refusing to cover prenatal care or childbirth. However, individual health insurance plans can legally treat pregnancy as a pre-existing condition, so baby delivery probably will not be covered if you join one while pregnant. If you are insured, it is very important to check with the insurance company about their requirements; some companies require you to "pre-authorize" coverage for your baby, and some require that you call them when you arrive at the hospital to deliver -- if you forget, they might refuse to cover the delivery or your newborn's care.
Related articles: Prenatal Care, Cord Blood Banking, Lamaze Classes, Doula, Postpartum Maternity Checkup, Well Baby Doctor Visit

What should be included:
  • After delivery, the baby will be examined by your doctor or a pediatrician. The U.S. Department of Health & Human Services[3] gives an overview of the immediate medical attention a baby needs right after birth.
  • You probably will stay in the hospital one to two days, if you delivered vaginally, or three to four days, if you had a Cesarean delivery.
Additional costs:
  • Induction of labor, usually with drugs, costs extra. FamilyDoctor.org[4] offers an overview of labor induction.
  • A private room can cost several hundred dollars extra per day out-of-pocket.
Discounts:
  • Usually, the services of a midwife are about one-third less expensive than those of an obstetrician/gynecologist.
  • Some doctors or midwives will negotiate a discounted package rate for prenatal care, or prenatal care combined with delivery, for a patient paying out-of-pocket. And some hospitals will give you a discount on their part of the fee -- as much as 25 percent -- if you pay your bill at one time rather than in payments.
  • The U.S. Department of Health & Human Services[5] offers information on free and reduced cost prenatal and delivery services for women who qualify.
Shopping for baby delivery:
  • The doctor you choose be board-certified by the American College of Obstetricians and Gynecologists[6] . Or, if you wish to use a midwife, the American College of Nurse-Midwives[7] offers a certified midwife locator.
  • If you have chosen a doctor or midwife, you usually will deliver at the hospital where they have admitting privileges; so, check out the hospital well in advance of the birth. BabyCenter.com[8] offers a guide to choosing a hospital.
  • As an alternative to hospitals, some patients choose a birth center; these usually have a more home-like environment than a hospital, allow multiple visitors, offer amenities such as Jacuzzis and offer transfer to a nearby hospital in case of complications. BabyCenter.com[9] has information on birth centers. And the American Association of Birth Centers[10] has a locator by state.
Material on this page is for informational purposes only and should not be construed as medical advice. For medical decisions, always consult your physician for the right course for your infant or child.
 
post E-mail post Post   Comments (59)
CostHelper News


3 Ways to Have the Government Pay You Back for Your Energy Efficient Upgrades
Any renovations or upgrades made to your home this year that included energy-efficient appliances could be eligible for some federal energy tax credits. But it's not just appliances. || Posted December 9 2013


7 Lesser-Known Discounts for the 50+ Crowd
As they age, members of the Baby Boomer generation don't like to admit that they're senior citizens, but they love getting discounts. It's kind of a quandary, because some of the best deals available are reduced prices for older folks. || Posted October 21 2013

‣ All CostHelper Blog Posts


What People Are Paying - Recent Comments

Page 2 of 2   -   << Previous   1   2   

Vaginal Birth at Home
Amount: $1,100.00 not covered by insurance
Posted by: CVT in Napa, CA.Posted: April 22nd, 2014 08:04AM
Hospital: NoneYour Insurer: Anthem Blue Cross through AIM
Type of Plan: EPO
I had a normal delivery at home with a midwife. Not included were a birthing pool rental for $125 (so worth it!) and the birthing kit for $80 (included all the supplies for postnatal care of mom and baby). Started contractions on Tuesday afternoon but he was my first so my midwife just came to check on me and then said to call when I was really uncomfortable. She came back the next morning and stayed with me the whole time till I gave birth at 8pm(how many doctors would have done that?)and did all the postpartum care. Then she came back a couple of times over the next few days to check on me and help with bonding and breastfeeding. Do you think hospital staff and doctors could have shown so much patience for my body to prepare for birth or hands-on care before, during, and after my long labor? Not only was the cost manageable, but the care received so surpassed what is the norm in a hospital that I feel I got more than my money's worth!
Was this post helpful to you?   yes     no Report prohibited or spam
Fully insured but still paid TONS
Amount: $9,000.00 not covered by insurance
Posted by: So over it in Houston, TX.Posted: March 28th, 2014 09:03PM
Hospital: Methodist WillobrookYour Insurer: Humana
Type of Plan: POS
We prepaid OB/hospital (in-network) $5,000 before 26 weeks (monthly payments) per their policy. That was supposed to be "it" for the whole pregnancy care and delivery AND newborn bills since I was fully insured through employer - $600 monthly premiums, of which I paid $300/month. Ended up paying about $4,000 extra on top of the $5,000 I already pre-paid. Bills just kept coming in. Turned out half the nurses were "out of network" and the insurance company's response to my requests was "you should have made sure they are in-network before allowing treatment". Really? The last thing on your mind when you're trying to push the baby out or try to rest after delivery is to ask the nurses who come into your room and change with every shift whether or not they are in your network. I wrongly assumed that since the hospital was "in-network", all the workers in the hospital will also be "in-network". A pediatrician who was on-call the night my son was born was also not in-network (thus, $1,400 bill for spending 4 seconds in the room - "Looking good! Get some rest. <door closes>"). Live and learn, I guess.
Was this post helpful to you?   yes     no Report prohibited or spam
disgusted
Amount: $0.00 not covered by insurance
Posted by: taydot12345 in houston, TX.Posted: December 20th, 2013 12:12AM
Type of Plan: none
I'm disgusted when I read about the US citizens who say they had to pay nothing out of pocket because they receive welfare. Thanks for having kids when you can't afford them and passing the buck on to us hard working Americans. There was plenty of out of pocket expenses for your delivery; you just didn't have to pay any of them. If you can't afford to pay to have a baby then keep your pants zipped up!!
Was this post helpful to you?   yes     no Report prohibited or spam
Cesarean with Epidural
Amount: $9,000.00 not covered by insurance
Posted by: seattle mama in seattle, WA.Posted: March 29th, 2013 10:03PM
Hospital: Group Health CentralYour Insurer: Group Health Co-Op
Type of Plan: Welcome 1000
I have double bills because I attempted an out of hospital birth with midwives and baby didnt progress after 30 hours so ended up having a cesarean birth.
We were surprised to find out after the delivery that the baby would have his own deductible and $500/per day hospital co pay. And I thought I studied and planned and asked all the right questions!
Add to the fact baby was born right after the first of the year and I had to start over on my deductible!
The bills showed charges for facilities, professional fees, meds, tests, labs, doctors visits and amount of tiolet paper used(joking).

I think it's really shady that no one can ever tell you how much these things will cost before you make the charges. It's like the medical billing and coding are intentionally convoluted. AArrgghh
Luckily they agreed to take $340/mo with no interest charged.
Was this post helpful to you?   yes     no Report prohibited or spam
Gave birth in November 2012
Amount: $1,800.00 not covered by insurance
Posted by: Solindya in Memphis, TN.Posted: March 24th, 2013 07:03PM
Type of Plan: United Healthcare
I ended up paying $1800 total:

$950 Hospital cost
$650 anesthesia
$200 pediatrician

I had an ER c-section after my son flatlined during the try to give a vaginal birth. 4 days hospital stay and $1800 less in the pocket (I still pay this off). But I don't care. My son is healthy and alive. Nothing else really matters.
Was this post helpful to you?   yes     no Report prohibited or spam
30.00 Co-pay, 30% of Hospital bill w/ $3000.00 max
Amount: $3,150.00 not covered by insurance
Posted by: Lorena C in Los Angeles, CA.Posted: January 7th, 2013 02:01PM
Hospital: 2,700.00Your Insurer: Health Net
Type of Plan: HMO
My job did not take anything out of checks for insurance coverage, but I had a steep co-pay(paid $450.00 total) and had to pay 30% of my hospital which totaled $2700.00
Was this post helpful to you?   yes     no Report prohibited or spam
Self payment
Amount: $9,194.00 not covered by insurance
Posted by: demo in Bloomington, MN.Posted: October 15th, 2012 10:10PM
Hospital: Fairview SouthdaleYour Insurer: BCBS
Type of Plan: 20/80 group
Room and medical at hospital - 4312
Anesthesiologist - 882.90
OBG West - 4000
Was this post helpful to you?   yes     no Report prohibited or spam
I was lucky-
Amount: $0.00 not covered by insurance
Posted by: a user in Beckley, WV.Posted: September 6th, 2012 10:09AM
Hospital: Raleigh GeneralYour Insurer: Federal
Type of Plan: Group
From were In was a minor, whatever the insurance didnt pay, the hospital dropped ot, so I didnt have to pay anything
Was this post helpful to you?   yes     no Report prohibited or spam
self pay with baby #2
Amount: $5,830.00 not covered by insurance
Posted by: sunbeam in Tampa, FL.Posted: August 20th, 2012 06:08PM
Hospital: TGHYour Insurer: united w/o maternity rider
We got pregnant before we could add on a maternity rider and had to self pay. Prenatal visits w/ my midwife was discounted to $2750, about $375/per prenatal visit with a $500 down payment. $80 for 20wk ultrasound, and $3000 for hospital costs. We plan on paying cash again, as my l&d have been uncomplicated vaginal deliveries w/o epidural. And we live in NC now... was curious about their costs.
Was this post helpful to you?   yes     no Report prohibited or spam
Does everyone have to pay this much!!!???
Amount: $5,200.00 not covered by insurance
Posted by: Mom of 4 in Ohio in Concord, OH.Posted: July 31st, 2012 05:07AM
Hospital: TriPoint Medical CenterYour Insurer: Medical Mutual
Type of Plan: PPO
I can't believe how much labor & delivery costs have increased for us over the years. Baby #1 (born 2002) cost less than $2K, baby #2 (2005) cost $2.5K and baby #3 (2008) cost $3k. Now baby #4 has been born (2012) & our insurance claims are saying we owe $5200 so far & they haven't even processed my OB's claim yet.

- $1800 hospital bill for baby
- $250 pediatrician bill
- $700 anesthesiologist bill
- $2500 hospital bill for me
- $? OB bill

All my past deliveries were natural, but baby #4 was a c-section. However, I don't remember receiving such high bills for just the baby before. His bills alone were $2K this time & he was perfectly healthy.

Our plan has a $2500 per person/$4500 per family deductible & $2500/$4500 co-insurance (80/20?) amount that has to be paid by us after the deductible has been met, as well. We're already paying over $200 a month towards our insurance premium, too.
Great benefits, right? And, my husband works for a union. I don't know how we're going to pay these medical bills. Hubby took a huge pay cut at work recently & we're already having trouble paying our other bills.
Was this post helpful to you?   yes     no Report prohibited or spam
$0 cooverage by my policy
Amount: $5,700.00 not covered by insurance
Posted by: GFR in Indianapolis, IN.Posted: July 17th, 2012 08:07PM
Hospital: $3500Your Insurer: $0
Type of Plan: HSA
My insurance did not cover the pregnancy. So we contacted best OBGYN and told we are self pay. He offered 9 month routine check plus delivery plus 6 month post partum visit for $2200 (to be paid in 6 installments) ($300 more for C section). I spoke with hospital where he was practicing and they offered me a self pay plan for $3500 (normal vaginal delivery, 1 night stay with $700 for additional night), $1000 extra for every additional child, $700 for epidural, if C section, hospital charges will be $6800. Terms were so clearly spelt, that I did not had to go through insurance hastles and coverage denial/ copay/ co-insurance/ out of pocket/ other nonsense I had to face for my first delivery.
Was this post helpful to you?   yes     no Report prohibited or spam
Induced labour, vacuum delivery with episiotomy
Amount: $0.00 not covered by insurance
Posted by: Eibhlinn in limerick, Other.Posted: July 1st, 2012 05:07AM
Hospital: Public hospitalYour Insurer: Irish HSE
Type of Plan: Free universal health care in Ireland
I have no insurance but pay taxes. The state of Ieland in return provides free health care to all. Some fees apply unless you are a medical card holder. However pregnancy is exempted from all fees.

The care I've received:

GP visits: all free - about 15 throughout the pregnancy
Midwife appointments: 6, all free.
scans: 3 - all free.
Glucose Tolerance Test: 1 - free
antenatal classes: 5 - free
breastfeeding class : 1 - free
inducement: free
vacuum delivery, with episiotomy: free pain relief: pethidine injection and entonox: free Hospital stay: three nights - free. Regular visits from midwives, doctors and lactation consultants as often as I called for them. Visit from the public health nurse to check on baby's progress: 2 so far - free. I also have her phone number and address of drop in centre to see her with any question or worry I might have. Other services available to me for free: physiotherapy classes, follow up visits at the hospital, GP visits for baby'svaccines.
Was this post helpful to you?   yes     no Report prohibited or spam
Emergency C-section; 2 weeks in ICU
Amount: $0.00 not covered by insurance
Posted by: Canuckistan in Toronto, NY.Posted: March 24th, 2012 06:03AM
Hospital: Your Insurer: Ontario
Not a cent; go Canada!
Was this post helpful to you?   yes     no Report prohibited or spam
Way too much
Amount: $5,662.77 not covered by insurance
Posted by: Timothy Thomas in Syracuse, NY.Posted: March 22nd, 2012 06:03AM
Hospital: Crouse Hospital - Syracuse NYYour Insurer: Excellus BCBS
We were shocked at both HOW MUCH we had to pay out of pocket after insurance, and by HOW MANY people send you a separate bill. all these are after insurance:
Obstetrician - $1428.70
Prenatal Vitamins - $360
Hospital bill for Mother - $1,067.50
Anesthesia bill (separate from hospital bill, charged by both though, ughhh) - $429
Hospital bill for baby - $1,833.57
Pediatrician for checking and discharging baby - $394
Separate bill from Hearing testing company - $150


after looking at that list of people who stick their grubby hands in your wallet, you'd think our baby had complications or required special care. Couldnt be further from the truth. We had an excellent labor. Baby was going on 9 days past due date, so we went in for a scheduled delivery/induction. OB broke bag of waters, labor progressed naturally from there. 12 hour labor w/ Stadol, then an epidural. Baby was completely healthy, required zero additional care. We stayed for only two nights too.
Was this post helpful to you?   yes     no Report prohibited or spam
$150
Amount: $150.00 not covered by insurance
Posted by: AC in Reno in Reno, NV.Posted: January 10th, 2012 02:01PM
Hospital: RenownYour Insurer: Hometown Health
Type of Plan: Open Choice HMO
Flat fee is $150, regardless of complications or type of delivery. Insurance covers everything at 100% with no deductible or co-insurance. Costs me $65/paycheck (every other week). Totally worth it!
Was this post helpful to you?   yes     no Report prohibited or spam
emergency caesarean + 2 nights NICU
Amount: $6,000.00 not covered by insurance
Posted by: Daddy in Portland, OR.Posted: December 21st, 2011 01:12PM
Hospital: Providence St. VincentYour Insurer: United
Type of Plan: 1000 deduct 80/20%
We are still getting bills after 8 weeks but it is already > 40k. We had to meet the out of pocket maximum of 3k for mom, and then again for baby. The only nice thing was we didnt have to reach the deductible first for the baby, but we easily would have with his bill over 17k. This is absolutely outrageous for a fully insured family. Thankfully we have a healthy baby but wtf is up with the expense?
Was this post helpful to you?   yes     no Report prohibited or spam
Birthing Center
Amount: $1,462.00 not covered by insurance
Posted by: Water baby momma in Phoenix, AZ.Posted: November 23rd, 2011 09:11AM
Hospital: Blossom Birth and Wellness CenterYour Insurer: BCBS
Type of Plan: PPO
Total amount was 3,400 but my deductible reimbursement and flex spending account worked wonders. =) Had a natural water birth. no complications.
Was this post helpful to you?   yes     no Report prohibited or spam
Save your money
Amount: $2.95 not covered by insurance
Posted by: dad the deliverer in Duffield, VA.Posted: September 27th, 2011 09:09AM
Hospital: NoneYour Insurer: My checking account
Type of Plan: uninsured
We recently had our 6th home birth. I (daddy) delivered just like the last three. We had great midwives for the first three and they were great about educating us and we felt confident that birth was not a medical emergency that required hospitals, inconvenienced doctors, or ridiculous bills. So yes, for about $3 (cost of an umbilical clamp) our birth experiences are quite affordable. Other misc. expenses-blood pressure cuff, doppler, (to monitor fetal heartbeat) urinalysis strips, iron test kits, circumcision, and immunizations.
Was this post helpful to you?   yes     no Report prohibited or spam
Home delivery is the bomb!
Amount: $600.00 not covered by insurance
Posted by: Trena in Mesa, AZ.Posted: July 12th, 2011 12:07PM
Hospital: NONE!Your Insurer: BCBS
Type of Plan: PPO
Paid $2000 upfront to Midwife, delivered at home which was absolutely the best experience. Insurance reimbursed me 70% of cost for an "out-of-network" provider so total cost was $600. I will do it again when I have more kids. (Delivered December 2010)
Was this post helpful to you?   yes     no Report prohibited or spam
Hospital costs for vaginal delivery no complications atlanta GA
Amount: $9,056.90 not covered by insurance
Posted by: atlanta mom in atlanta, GA.Posted: June 9th, 2011 05:06AM
Hospital: piedmontYour Insurer: coventry
Type of Plan: pos conversion
room & board 1,790
Pharmacy 870
Surgery supplies 321
Lab 588
Recovery room 1,848
Labor room / deliver 3,639
total = 9,056
Was this post helpful to you?   yes     no Report prohibited or spam
Opted to go without maternity rider
Amount: $0.00 not covered by insurance
Posted by: charlottemom in Charlotte, NC.Posted: April 27th, 2011 01:04PM
Hospital: Carolinas Medical CenterYour Insurer: BCBS NC
Type of Plan: PPO
We are self-employed and have private medical coverage. After doing some math, we opted not to purchase the optional maternity rider. It worked out fine for us. I estimated that we would have paid about the same with or without maternity coverage. Our insurance is required by law to cover pregnancy complications (which I didn't have - but it would have covered them). Our OB gave us a package price for 13 appointments, basic testing & delivery, and then we had an additional bill from the hospital. We would have paid less if we had group coverage through an employer, but private health coverage is just crazy expensive! I just found out I'm pregnant again, and we're going the same route.
Was this post helpful to you?   yes     no Report prohibited or spam
Recent Uncomplicated C-Section delivery
Amount: $4,700.00 not covered by insurance
Posted by: mommyofrex2011 in Orlando, FL.Posted: April 26th, 2011 03:04PM
Hospital: Winnie Palmer-Orlando Health SystemYour Insurer: BCBS-FL
Type of Plan: PPO
This was the cost out of pocket for the C-section, physician delivery fee, anesthesia (epidural) fee, healthy baby and hospital fees.
Was this post helpful to you?   yes     no Report prohibited or spam
Just found out I have NO maternity coverage with plan
Amount: $0.00 not covered by insurance
Posted by: Heather in Houston in Houston, TX.Posted: April 7th, 2011 03:04PM
Hospital: UNKYour Insurer: CIGNA
Type of Plan: PPO
I am 16 wks and just found out that we have zero maternity coverage. Apparently in Texas there are no private health plans that offer maternity coverage. Has anyone else encountered this? We thought we were being diligent and responsible citizens by privately insuring ourselves but now we are just scared at how much having the baby is going to cost us.
Was this post helpful to you?   yes     no Report prohibited or spam
normal deliveries
Amount: $9.00 not covered by insurance
Posted by: robyn castrop in harrison, MI.Posted: February 8th, 2011 04:02PM
Hospital: grand strand general n. Myrtle beach scYour Insurer: tricare
Type of Plan: group
with all my deliveries we were in the military so we were very lucky. It only cost us 9.00 per day & that was only to cover the cost of meals. It didnt matter if it was for delivering babies or having any type of surgery like when i had my hysterectomy the bill was 68,000.00! My share - 27.00. Life was great when we were active duty. Now is a different story altogether. Now we have tricare-extra plus united health care neither one of them cooperate with the other so nobody pays the bill then i get charged for them. Its crazy and who knows how much either will charge. Right now i have almost 17,000.00 in past due dr. Bills & hospital bills. @ this rate i wont pay it off til im dead!
Was this post helpful to you?   yes     no Report prohibited or spam
Typical 80/20
Amount: $4,000.00 not covered by insurance
Posted by: Allyson in Fort Wayne, IN.Posted: January 21st, 2011 09:01AM
Hospital: Your Insurer: Blue Cross
Type of Plan: PPO
We have health insurance through my husband's job and we pay approximately $320.00 a month for it.
Insurance pays 80% AFTER deductable is met, we pay 20% plus copays plus the whole deductable first, up to a yearly out of pocket maximum of $5,000 which they recently bumped up to $6,500.
So the most we will pay in a given year is now $6,500 on top of the $320 per month and on top of deductable and copays.
I had a C. delivery of twins and lots and lots of prenatal care due to twin pregnancy. Really I got 2 for the price of 1 (sorta). It was like a 50% discount on baby #2.
Was this post helpful to you?   yes     no Report prohibited or spam
Insurance
Amount: $0.00 not covered by insurance
Posted by: someone in florence, SC.Posted: January 13th, 2011 10:01AM
Hospital: McLeod Regional Florence SCYour Insurer:
People like to blame insurance companies, and I can see that after all they do try to not pay and expect us to pay them and to pay the providers who insurance is supposed to pay, but these hospitals charge such astronomical rates for these things that it's absolutely unfeasible to say that health care reform starts and stops with insurance. 30,000 for delivering a child makes me want to just stay home with a midwife and deliver. Then charging the infant son with the nursery stay, or charging children with 10's of thousands of dollars in medical bills is wrong. Not everything in this country needs to be capitalistic.
Was this post helpful to you?   yes     no Report prohibited or spam
Cesarean + Epidural
Amount: $3,000.00 not covered by insurance
Posted by: james330i in Knoxville, TN.Posted: December 10th, 2010 12:12PM
Hospital: MercyYour Insurer: United
On a $500 deductible + 80/20 plan. Pregnancy will cost me about $3k out of pocket.
I think it is absoultely outrageous...a childbirth should not cost that much even after insurance. I don't have $3k to spend and only have about $30 a month that I can afford to pay.
Honestly, with the amounts that these guys charge, they should be happy getting 80% of a super overinflated bill in the first place.
Was this post helpful to you?   yes     no Report prohibited or spam
insurance coverage
Amount: $0.00 not covered by insurance
Posted by: Susan D. in St. Louis, MO.Posted: December 10th, 2010 10:12AM
Hospital: Washington UniversityYour Insurer: United health-golden rule
Type of Plan: health-maternity
I am 5 week pregnant and just found out my Golden Rule _united health will pay only 4000 dollars for my delivery, but not any treatment during pregnancy...never get this insurance, I dissappointed. I paid quarterly payment of around 800 dollars for one year 500 dollars whole 3 months and never got benefit of the plan.
Was this post helpful to you?   yes     no Report prohibited or spam
normal delivery with epidural
Amount: $7,200.00 not covered by insurance
Posted by: Amandaj001 in Juneau, AK.Posted: November 15th, 2010 05:11PM
Hospital: Bartlett RegionalYour Insurer: Bcbs ak
Type of Plan: PPO
I paid 300 a month for my insurance and they only paid out what I paid into the plan. 500 deductible. Not happy about this!
Was this post helpful to you?   yes     no Report prohibited or spam
Emergengy C-Section
Amount: $0.00 not covered by insurance
Posted by: Lexington Park, MD in Lexington Park, MD.Posted: November 9th, 2010 11:11AM
Hospital: St. Mary'sYour Insurer: Carefirst Blue Cross
Type of Plan: HMO
My wife has the BEST insurance from being a school teacher. We didn't pay a cent to have our first child. I'm scared about the next one though since she will be off her plan and on mine which is worse. I am trying to decide whether to stay in my HDHP HSA plan or go back to an HMO.
Was this post helpful to you?   yes     no Report prohibited or spam
Emergency C-Section
Amount: $270.00 not covered by insurance
Posted by: Spunky in York, PA.Posted: October 26th, 2010 09:10PM
Hospital: York HospitalYour Insurer: Highmark Blue Shield/Gateway
Type of Plan: PPO / Medicaid
Total bill for my delivery and prenatal appointments and ultrasounds was $16,762.70. Highmark paid $14,700 and Gateway picked up $1800. I had to pay $270 out of my pocket at the beginning of my pregnancy (before I picked up Gateway Insurance).
Was this post helpful to you?   yes     no Report prohibited or spam
Free Exams, Ultrasounds, Delivery!
Amount: $0.00 not covered by insurance
Posted by: Lucky Momma in Hinsdale, IL.Posted: September 5th, 2010 02:09PM
Hospital: Adventist Hinsdale HospitalYour Insurer: Public Aid
Type of Plan: Public Aid
If you're not making enough, consider applying for Moms & Babies with the Illinois Dept of Human Services. I never received a bill at home, never had to pay any copays, did not pay for any Dr's office visits, hospital stay, or baby's visits/immunizations. Awesome! I'm appalled at how much hospitals are charging!!!
Was this post helpful to you?   yes     no Report prohibited or spam
Vaginal Birth After Cesarean + Epidural
Amount: $1,698.00 not covered by insurance
Posted by: Mom4HealthyKids in Long Beach, CA.Posted: August 16th, 2010 04:08PM
Hospital: Long Beach Memorial Medical CenterYour Insurer: Health Net
Type of Plan: HMO Silver Network aka Bottom of Barrel
The epidural cost me an extra $200 out of pocket. Insurance covered $1,792.00 of that bill. The total charges for the hospital stay were $16,500.00 and I didn't stay as long as my first pregnancy which was way cheaper (about $5k)! The view wasn't nearly as good either and the hospital was under construction. I can't believe how much more expensive this was! CRAZY! I had a C-Section at Hoag Memorial Presbyterian Hospital and the total charges were $12,500.00. That was only 2 years ago and we had to pay $250 out of pocket. My husband had a different job with better insurance at the time. It was Cigna.
Was this post helpful to you?   yes     no Report prohibited or spam
Baby came early deliv. at home
Amount: $379.00 not covered by insurance
Posted by: Carri in Arlington, TX.Posted: August 13th, 2010 03:08PM
Hospital: Baylor All SaintsYour Insurer: bcbs
Type of Plan: ppo
My baby came unexpectantly at home. We went to the hospital afterwards (by ambulance-$1200 for me + $1400 baby). The MW literally just looked at me and said everything is ok down there then I was transferred to postpartum. I was there for 1 day. I have a $250 deductible and 10% thereafter. I had my first baby in Atl (piedmont hospital) with epidural, induction w/ pitocin, 3 day stay for me, 5 day stay for daughter with jaundice receiving phototherapy. The total cost under same insurance plan out of pocket was only $500 and then $67 for epidural. Baylor All Saints was SO MUCH MORE EXPENSIVE. I was appalled at the price difference and wonder if this is all of DFW or just Baylor All Saints.
Was this post helpful to you?   yes     no Report prohibited or spam

Page 2 of 2   -   << Previous   1   2   



 

Comment On Your Experience With Baby Delivery
 
Subject:  *
Amount Spent:  * not covered by insurance
Hospital: Your Insurer: 
Type of Plan:   
Comments: 
Purchased:  Year: 
City:  * State:  *
 
Information about you:
Email:  * Email addresses are not displayed.
Name:  This is the name we'll display with your post.
me on this computer
*=required field.
 



External Resources:
  1.  www.marchofdimes.com/downloads/The_Healthcare_Costs_of_Having_a_Baby.pdf
  2.  www.dol.gov/ebsa/publications/newborns.html
  3.  womenshealth.gov/pregnancy/childbirth-beyond/baby-first-hours.cfm
  4.  familydoctor.org/familydoctor/en/pregnancy-newborns/labor-childbirth/labor-induction.html
  5.  www.womenshealth.gov/publications/our-publications/fact-sheet/prenatal-care.html#i
  6.  www.acog.org/About_ACOG/Find_an_Ob-Gyn
  7.  www.midwife.org/rp/find.cfm
  8.  www.babycenter.com/0_choosing-a-hospital_1148.bc
  9.  www.babycenter.com/0_birth-centers-alternatives-to-hospitals_2007.bc
  10.  www.birthcenters.org/birth-center-locator
More Babies & Children Topics
Check Out All Costs for Babies & Children How Much Does Day Care Cost? How Much Do Maternity Clothes Cost? How Much Does a Car Seat Cost?

Search Thousands of Topics on CostHelper.com



Today's Featured Cost Articles

About CostHelper
CostHelper is based in Silicon Valley and provides consumers with unbiased price information about thousands of goods and services. Our writers are experienced journalists who adhere to our strict editorial ethics policy.

CostHelper Community
Deep cleaning and extractions
Paid: 90.00
When we got our 4-year baby from someone she had horrible breath and our vet recommended a deep cleaning for $175. I checked around and the SOHFGA did the same procedure for $80. So I had them do it at the same time we had her spayed... [more]
-Cocoa's Mom - Phyllis Rios
Dog Teeth Cleaning Cost
DIY (basic tools)
Paid: 0.00
The person that wrote this story.. don't have any idea what the true costs of auto repairs are. And like so many others that will talk about auto repairs, football, religion.... because they saw it somewhere... [more]
-smar
Brakes Cost
Bridge/Crown
Paid: 3200.00
Been going to this same dentist for 15yrs. Had two previous bridges and crowns and only paid 900.00 per procedure just about five years ago!! SERIOUSLY…$3200.00!!! I showed up with $1000... [more]
-Suz
Dental Crown Cost
Engine replacement of 1995Honda Prelude Si
Paid: 2000.00
My question is if you get a engine replaced why would they want to charge you again to replace the timing chain?... [more]
-Carter
Replacing a Timing Chain Cost
Cervical Laser Surgery for Abnormal Cell Changes
Paid: 45.97
Without insurance the procedure would have cost about $1,000. My insurance isn't great, but it still came to only $45. The procedure was performed without anesthesia... [more]
-ephthat
Cervical Cancer Treatment Cost
A 9-miles ride in ambulance with no medical attention cost 1200 in WA
Paid: 1200.00
This is legal rip-off. In my case, just a 9 miles ride from 1 hospital to the other without any medical attention cost me 1200 out of pocket. How can states attorneys and legislators let this happen everywhere... [more]
-TomN
Ambulance Cost