cost of childbirth?
i am 17 weeks pregnant with my first, i cant help but think that im not going to be ready finacially. would it be normal for me to ask my dr what the average cost is for his services? would they be able to give me an estimate? also i imagine the hospital will have charges as well. if i were to ask them could they give me a ball park figure as to how much the charges will be. i have insurance that covers 90% of everything, but i still keep thinking that im not going to be prepared. my husband and i have been furiously paying off all of our debt and plan on being debtfree by the time this baby is here, but i am also planning on going from working full time to part time, so i want to start saving for medical bills that we will get. how much did it cost you to have a child? were there unexpected bills? just the medical bills part? thanks so much
i do have my own insurance- i do work full time-i am not a child i am 26 years old. i am just trying to be financially prepared so as to allieviate unneaded stress when the baby arrives.
the last edit was to the rude woman who deleted her answer. i dont want assistance, i just want to know how much money to save to be able to pay these bills soon as they come.
With 90% coverage my guess is you will be paying you ‘max out of pocket’ for the FAMILY as listed on your insurance. Usually no more than $5000.
Congratts on paying your bills, starting fresh, the only unexpected bill we ran into was our insurance didn’t cover his circumcision, it was just under $300.
Yes ask how much everything will cost also if you know what hospital your delivering you can go on their website and get an estimated amount.
Around $8,000 if everything goes normal.
If you call the hosptial and the doctors office they will have an average rate for a smooth pregnancy and delivery.
I know our doctor and hospital charge one combined fee. Most of the visits are considered nurses visits.
Then they charge for blood tests, ultrasounds and stuff like that.
well an option to consider is going to your local assistance office and applying for medical assistance and in the end it wont cost you any money for your appointments/delivery. They will end up taking it back off of you once you have the baby but I dont think they turn down anyone who is pregnant unless super rich. . . . thats what I did because my hubbies insurance covers only 80% of docters visits…. so that worked for me.
2,000 dollars plus medicines it was under 2,500- thankfully that was all. 2,000 is my deductable and I totally went way beyond that before insurance. I was supposed to be 500 dollars for everything, but then I had a blood clot in the 26 week. So I was in the hospital for 6 days with that. Then the blood thinners, and then the c-section that I needed up needing.
My sister had all of her kids for well under 500 hundred each because she didn’t have any complications or even an epidural with any of them.
it really varies from hospital to hospital. my insurance won’t pay for the hospital i am going to give birth at and i refuse to give birth somewhere that treats their expectant mothers like cattle in a delivery factory. because of this the hospital i will be going to has a flat rate of $3,000 and they will let me bring my own items (tissue, water pitcher, cups, pillows etc) so i won’t be charged for extra items. i have a friend who’s insurance requires 20% payment and they had to pay about 1,800 before they could be admitted to the hospital. i don’t think it is in any way inappropriate for you to ask your doctor or the hospital how much a delivery generally costs.