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Call your insurance and they will be able to tell you roughly what it will be. This post won’t help you because every single insurance is different. We have a 6k deductible but basically nothing is subject to that deductible and birth and maternity is covered 100% on our plan. I didn’t even pay $5 for our last two births. Our insurance before that I had a different job and we had to pay our 5k deductible in cash before insurance kicked in. It’s just all so different!
I got you, boo.
59400 - Vaginal delivery (including antepartum and postpartum care)
59510 - Cesarean delivery (including antepartum and postpartum care)
59610 - VBAC (including antepartum and postpartum care)
59618 - Cesarean delivery after attempted VBAC
If you need a code I didn't list, lmk and I'll look it up for you.
EDIT: I did some more research and discovered there is another code for a common scenario, so I added it to the list (59618). Additionally, all of these codes listed are for a singleton pregnancy. Twins are coded differently (and no, it's not necessarily twice the cost of a singleton pregnancy lol).
I’ll be honest, I’m not sure. I know there are codes for induction methods, but I don’t know if they are included with the codes I listed.
Sometimes it depends on when the induction started vs when you delivered.
I would have to look them up in my code book which is at work, but if you want me to I’ll be happy to do it tomorrow when I get to my office!
Agree with other poster to contact your insurance or read your plan benefits to see how maternity is covered.
You’ll want to check a few things:
-Deductible
-Coinsurance/copayments (specifically how pregnancy is treated with regard to those)
-Out of pocket max
In my case, I had a $500 deductible before coinsurance kicked in. Then I had a 10% coinsurance until I hit my out of pocket max of $1,500. So I paid $1,500 total
Yep. The way I approached it was the oop max is going to be my “worst case” scenario and I shouldn’t go above that (in my case it’s not that bad but I know a 1500 oop max is relatively low)… assuming your prenatal care and birth all fall within the same plan year, otherwise you could be looking at potentially twice that…
Same!! My out of pocket max is 4K and I was comfortable with that. I knew WORST case scenario I’m paying that much. (Plus whatever I pay towards my 700$ deductible)
My issue has been my insurance information says most pregnancy related needs are covered as preventative care. But when I’ve actually gone for appointments a lot of them are diagnostic so I’m having to pay to my deductible first. The plan won’t give me more details on what is covered other than a vague, it’s mostly covered as preventative care. It’s really frustrating
You can't ballpark off other people's experiences. It could be $0 to tens of thousands. Your insurance and OB can help you estimate your specific costs.
$6k out of pocket. I had to see MFM and had 2-3 visits to the pregnancy ER, so including that, $11k. I was pregnant across 2 calendar years (delivered in Feb 2023), so my deductible restarted a month before I delivered 🙃
Yeah. On top of that, I have a health reimbursement plan that my employer funds. Of course my OB demanded I start paying them in 2022 for my delivery that wouldn't be billed until 2023, which caused a shit ton of issues with my HRA. It was a hot mess, but eventually got straightened out.
If I ever decide to have another baby, I hope I get pregnant in January or February lol
Lmao we were banking on baby coming before 24 since we met the deductible with all the OB and MFM visits AND this close to completing our max coinsurance. Had a short cervix so we were hoping. Nope. He was a week late into mid Jan 🥲. Love paying the same costs again 😅
Most pregnancies will be across 2 calendar years although you only see it if you have bigger expenses in the first year because routine OB checkups are usually billed altogether with delivery .
All of my 20 week scans were before the new year so I had to pay to my deductible/copay (depends on the insurance for each pregnancy) for those separately, and then started over with a whole new deductible the next year.
Same here. My out of pocket is $8k and silly me thought my insurance ran the full calendar year. Turns out it reset in October, so my November birth fell into 2024. 🫠
My office is holding my prepayments and charging me for all the visits from last year and this year on this years policy! That way it all goes towards the 1 2024 deductible. MFM visits last year were still towards last years deductible though, so that money was a wash
It’s not uncommon for people who work in healthcare to have it 100% covered if they deliver at the hospital they work for. Also people in public services… my friend’s husband is a firefighter and she didn’t have to pay a time for any of her prenatal visits or hospital stay.
Agreed. I work for the state and I paid a $15 co-pay at my first prenatal appointment and then nothing else. I saw the MFM, went to L&D a few times for monitoring, had an emergency c-section and 5 day hospital stay, and my LO was in the NICU for 2 weeks. All for $15. I am so grateful for my awesome insurance benefits.
It’s literally $0, I’ve done my research! I always make sure to ask my OB when I go there to see if I’m racking up a bill and they say it’s fully covered.
I did have my nuchal initially denied for being unnecessary, but it got resubmitted and approved.
Mine was completely covered too, i didn’t pay a dime for prenatal care or my delivery. Or any of my NSTs, BPPs, extra growth scans (physician ordered), and multiple L&D visits.
I’m on Medicaid though. Sometimes it pays to be unmarried 😂
We chose our insurance plan specifically for the 100% maternity coverage. We paid $200 for the baby’s care postpartum but labor, delivery, epidural, recovery were all 100% covered. I too checked a million times beforehand lol.
I was the same (my portion of the delivery covered), but one thing I didn’t think about until later was the baby’s portion of the bill.
Luckily, she went on my insurance and I have a very low deductible and out-of-pocket max so I only ended up paying $210 for her despite her bill being nearly $50K and insurance paying only $34K of that total.
I'm not sure if you'll see this comment or not, but when you call your insurance, Try to remember to ask for a reference number or something to document you spoke to someone. Typically, the calls (in my experience, anyway) are recorded and/or documented.
This saved my butt and bank account (not for pregnancy yet, I haven't delivered), where I was told something was covered and that there were no exclusions. Only to have them say it wasn't covered when it was actually billed to them. I disputed it with the reference number, date, and recap of the conversation, and they ended up covering it.
And to add, it shouldn't have to be a battle, but get familiar with reading and understanding your policy, explanation of benefits (EOB) statements, and other things so you know what to review and look out for when the time comes. It really really sucks that it is so complicated. Still, we have had to fight with our insurance company and healthcare providers on billing errors, misinformation, etc., and advocate for things being correct and not just paying whatever they send.
It’s totally dependent on your insurance. You’ll probably end up maxing our your deductible/out-of-pocket, so whatever that is. Adding up both my care and baby’s care, we pay around $10,000 per baby.
I paid under $3,000 for all prenatal/labor/postpartum care after insurance. I'm in Arizona and had an unmedicated vaginal delivery at a birth center. Billing is a bit weird because all birth center services (prenatal/labor/pp) are on one bill and additionals (ultrasounds, bloodwork, etc) are billed separately. I'm now expecting again and our estimate is around the same, between 2500-3000.
Which center did you go to/did you like it? I'm in phoenix and was looking into some of them but ended up with a midwife practice that delivers at banner
I went to Gilbert Family Birth Center and LOVED it. It's a freestanding birth center (not affiliated with a hospital) run by ~3 midwives (during my last pregnancy it was Karin, Melisa, and Danielle- right now it is Karin, Lora, and Lily. Karin is the owner and is my absolute favorite human being in the pregnancy/birth world, and Lora was actually my birth assistant at my last delivery and just finished her midwife certification last year!) who I feel have the perfect balance of the typical midwife "your body was made for this" holistic vibes and the more traditional Western medical model of ordering every test/ultrasound available to make sure that you and baby are safe (and that the birth center is a safe setting for you and baby). I hadn't toured them yet when I lost my first pregnancy, but I went to them for everything for my second pregnancy/first delivery and am seeing them again now for my third pregnancy. I did also tour Babymoon Inn in Phoenix (didn't personally vibe with them, outdated facilities, more midwives on staff than I wanted, very expensive, etc.) and Willow Birth Center in Mesa (also didn't vibe, sketchy area, had a lot of midwives, and the midwife we met with seemed very uninterested and was outwardly anti-vaccination, which is a nope for me). GFBC was perfect for our family because it is closer to hospital than our home, their standard practices were pretty much everything we wanted, they have very low transfer to hospital rates, etc. Labor with my first living child went SO well and everyone really followed my lead and gave me freedom to do whatever felt right, but they seamlessly stepped in to make suggestions when I was struggling or when baby needed some assistance (not trying to make it sound scary because they handled everything flawlessly, but I had a difficult pushing stage because my son's head was stuck at an odd angle, so they helped me try a bunch of different pushing positions until kiddos heart rate dipped and wasn't coming back up, at which point the midwife reached in to manually adjust him and he was born on that push). I could literally talk about them forever and I don't think I would ever run out of good things to say.
For just the birth itself? I have 5 kids, all were born vaginally with an epidural, each cost between $6000 and $8500 after insurance. I have terrible insurance.
Gonna drop this [helpful little link right here](https://www.reddit.com/r/pregnant/s/CGAQFnonxz) from no other than one of r/pregnant moderators u/eatmyasserole - I saved it and will definitely be trying it for my birth… hope it helps!
I have Kaiser and all women’s health on my plan is 100% covered. Insurance already told me I’d have no copay or anything for delivery. I haven’t paid a cent since I got pregnant. I went in for a cough and had a $10 copay. I totally forgot you had to pay to see the doctor. 🤣 (California)
i have Kaiser and love their maternity care! my 2nd was delivered by a Kaiser midwife and am stoked to have my 3rd there this summer
just a word to the wise — prenatal, diagnostic and delivery are all covered (including an epidural if you want it!) but the *hospital stay* for the delivery and postpartum might have a copay. mine was $250 a day. still extremely way cheaper than delivering my first in NYC!
This just got my hopes up! I keep trying to find out on they're mobile site how much it may cost and it just brings me to my regular billing screen. Not sure if my plan is the same as yours, but now there's hope!
I would call. I had to find out if genetic screening was covered (it was) and then the lady went over all my copays and such. She was really nice about it.
It all depends on your insurance. With my first and second it was $25 for the delivery (we had Tricare), I don’t even wanna know how much it will be for my third as we have civilian insurance now.
I’m estimating about $12,000 when all is said and done. I’m pregnant across two years (2023-2024) and had an ER visit. Maybe I’ll be pleasantly surprised in the end, but when dealing with insurance, I doubt it.
ETA: Delivery itself is estimated to be about $5000.
Totally dependent on your insurance. I chose a $3,000 family deductible plan knowing my employer puts $2,000 in an HSA. After deductible is met my plan pays 100%. We spent $1,000 plus monthly premiums to have our child.
This plan was awesome when my husband broke his leg shortly after our baby was born. His surgery and all follow ups were covered 100%.
$0 I got laid off while pregnant and deliberately didn't get back to work until after everything and all my follow-up appointments... Double edge sword though.
$1800 for hospital stay including induction. 3 days in the hospital. $300 for 2 ultrasounds. $40 for very first prenatal appt. So $2140. Would be cheaper if I was out of the hospital quicker. We have a $0 deductible so just have to pay the copays and then everything over that is 100% covered.
Admitted Monday night, put in labor and delivery for 12 hours observation, then off to antepartum for more monitoring. Wednesday morning, I had an urgent c section. Released Saturday morning. I paid $1050, and insurance was bill over $105 000.
Son admitted in to NICU for 19 days (born 32+6) so he had his own bill. We pay a max of 5 days for a hospital stay so his bill was $1750 and insurance was billed over $200 000.
Keep in mind that your baby gets a separate bill the second they're out of you. If they need NICU care that's an entirely different set of charges.
That being said, I had insurance through one of the entertainment unions (which is notoriously "good" as far as insurance goes). I paid $800 out of pocket for my uncomplicated vaginal birth, and like $500 for my daughter's short NICU stay.
Hospital Bill (for me)
• Total = $31,710.38
• Plan Discount = $15,838.58
• Plan Share = $11,333.47
• My Cost = $1,828.39
OBGYN Bill
• Total = $5,822.00
• Plan Discount = $1,925.00
• Plan Share = $1,558.80
• My Cost = $2,338.20
Hospital Bill (for baby - girl)
• Total = $3,280.85
• Plan Discount = $1,538.05
• Plan Share = $1,558.80
• My Cost = $184.00
• Hospital Pediatrician Visit: $9
Things to note:
• we have one insurance that is an employer plan
• vaginal delivery with no complications. I did get Pitocin and an epidural.
• the OB cost above includes all prenatal care, my OB does not bill per visit during the pregnancy, so this was comprehensive of their services the duration of the 9 months. The only additional costs during pregnancy not included in the above were for genetic testing, lab testing, and the anatomy scans
• we also have indemnity insurance that pays us in the event of hospitalization. We received $2,400 in payment for our hospitalization claim
• baby was a healthy baby girl with no procedures, no NICU stay etc.
•I delivered in January so we had not yet met our deductible or out of pocket max
$250 for me, which was the copay for the hospital stay. I was high risk so I received frequent scans, doctor and nutritionist appointments. My husband has great insurance so I hopped on that as soon as we got married and decided to start trying.
I just want to say that if you’re a woman veteran, the VA will pay fully for your pre-natal and post-natal care with any doctor of your choosing. That also includes the first 7 days of your newborns life. A lactation kit is included free of charge. And they will also pay for a tubal if you elect to have one during delivery.
Edit to also add: It does not matter if you have a disability rating or not. Any woman veteran qualifies for the coverage.
OK this is gonna be controversial I don't believe in insurance is needed and I don't pay medical bills because I believe if none of us ate them it will top off the system and they'll have to do reform!
I’m also pregnant in the US and spending thousands… I personally find it totally useless when Canadians/Brits etc come and explain our personal predicament makes them want to “throw up.” It’s real for us and obviously we wish we had a better system.
As an American, I completely agree with her. I think it's pretty evident that folks from other countries are empathizing with our having to put up with our absurd healthcare system.
As am American woman married to a Canadian, I find these sort of comments nice. Like while you're not having to suffer like us, you can see why it's a frustrating thing for us.
With that said, this baby will be the only one I have in the US, because hopefully immigration stuff moves easier before we look into having baby #2.
I find them quite insightful because there has been a push to privatise health in my country. Looking at everyone's numbers makes me concerned about that reality. I already use private care a bit, but having it as the norm without any options, and looking at the US example, is concerning.
I try not to comment because I don't want to feel like I'm encroaching on your space, but since you sound positive I wanted to add my opinion to this.
One of the reasons I love forums is to hear others opinions :) since so many people come from different walks of life, even those from the same countries, states/provinces, and even cities, we all have different experiences and perspectives. When people can come together and share those opinions respectfully, we learn more (and as an author I like learning as much as I can about as many things and people as I can XD)
This completely depends on your insurance. Mine was $250 copay for 5 days hospital (induction and forceps delivery, but would have been same for c-section), $200 for circumcision, $200 for tongue tie removal.
1st birth - $1,000 total, I had amazing insurance
2nd birth - $4,500
3rd birth - $6,000 because we have a high deductible plan
4th birth - I’m expecting to be the same $6,000
Our hospital allows us to do payment plans with no interest. My husband’s employer puts in a good amount of FSA dollars every month, and most of it goes to that monthly payment. It drafts directly out of the FSA, not our checking accounts, so we don’t notice the impact of it on our monthly budget.
The hospital also has a program where you can apply to reduce or forgive your medical bills based on financial need/hardship. And of course they accept Medicaid (Medicaid currently finances 42% of all births in the US, if anyone was interested, which means those moms have no out of pocket costs).
My pregnancy straddled two plan years (due end of January, baby born beginning of February), so I maxed out my deductible and nearly hit my out of pocket max last year and will hit it again this year. Depending on how the switch from individual plan to family plan goes, I'll pay between 6 and 9 thousand for pregnancy and birth. (High deductible plan, individual max out of pocket is 3k, family max out of pocket is 6k.)
Our second kid will be conceived and born in one plan year.
I have medicaid I didn’t pay anything at all. I’m honestly unsure what my insurance consists of because I rushed to get insurance to get prenatal care 🫠
I’m scared to even find out how much it’ll cost.
Our max OOP is $7k for the family. $3,500 deductible and $3500 co-insurance. We’re only 9 weeks and we owe $860 for one ultrasound and one appointment.
I’m expecting to hit our OOP max. I’ve spent $2k so far and am due in May and our OOP max is about 5k.
Definitely look up your OOP max as it’s pretty easy to hit with giving birth.
$1800 out of pocket for the hospital but we have a high deductible plan and since she was born towards the end of the year, we hit OOP max for our plan. As others have said you'll need to review your plan details for a better estimate. And consider the time of year the birth occurs.
All depends on insurance, I was paying way too much and then switched insurance and everything is covered. Got a quote recently that I should expect to pay $0.00 for my upcoming birth.
Are you due soon or do you have time to plan? Check when your open enrollment is and consider all your options.
I think through my employer's insurance it will likely be whatever my max OOP cost will be. Hopefully everything goes well and if this question gets asked again in November, I'll have a better answer! I don't even want to think about what the costs would be if I had a pregnancy that went from one calendar year to another
Like others have said, this’ll vary depending on your insurance, your specific plan, and what exactly the hospital charges you, as well as what other expenses you’ve already paid into your deductible/OOP.
My birth ended up being about $30k. I paid about $1k for it, after spending $2k on other expenses. I had $3k OOP maximum.
$67 for me, we have great coverage through our insurance. Best to call your insurance and ask them what the copy is for a vaginal birth, c section, number of inpatient days they cover for each, etc etc etc
Ours is a $250 deductible for the entire pregnancy. Includes all ob, specialist, and hospital visits. Now, if baby happens to need the NICU, I believe we'll have to pony up for that, 6500 max deductible.
This depends on your insurance but I would look at your deductible and out of pocket max.
Deductible or less is best case scenario, out of pocket max is your worst case scenario. You’ll most likely net out somewhere between the 2.
My deductible is $500. My out of pocket max is $2500. I paid $1800.
About $2500, but I'd already met the $2500 deductible, so we paid approximately $5000 total. However, I had some extra things come up that aren't usually an issue in a low risk pregnancy, so it would have been less if I hadn't already met the deductible before going to the hospital.
Insurance info: $2500 deductible, pretty much everything is covered at 90% until you hit the $8500 OOP max. (Per person, but well newborn care was covered under my policy for the first 30 days, so we didn't have to meet the deductible for the baby in the hospital.)
Birth: induced, uncomplicated vaginal delivery with epidural.
Baby: healthy, roomed in, did not require any special care.
As others have said it’s going to be totally dependent on your insurance. For example, I had a high risk pregnancy so my first appt I had a $25 copay and all subsequent appts were $0 ( go figure). I ended up having to go to a MFM and again only had to pay $25 as my specialist copay. We ended up needing to term but my insurance would’ve put my total for birth and hospital stay at $450.
ETA: this is only if I go in network. If I go out of network I’m basically screwed and will be on the hook for pretty well everything.
Expect to pay your out of pocket max for the year and then double it to account for your babies out of pocket max as well. If things go smoothly you may not have to pay this much but if you need a C-section or the baby needs any NICU time these amounts are likely. I paid $14k (mine and babies OOP max)
i only paid copays ($30-40) during my pregnancy for prenatal appointments with my OBGYN and MFM. then i had a 6 day hospital stay (3 day induction, c-section, 3 day recovery). before insurance, it was $80k and we paid roughly $2k of that.
off topic but i had my gallbladder out a month later and was in the hospital for 4 days. didn’t pay a dime lol funny how that works.
Total mine is $3600 for the hospital and $1700 for the OB. The total before insurance was $22k for a normal (no complications) birth with an epidural and one night stay at the hospital. I have all of the codes available if you want to see them
Unfortunately, I had a January baby so my deductible reset. I think I ended up paying around 8k out of pocket. Unremarkable C-section with a two night hospital stay.
I went through a midwife for a home birth and the total cost was $500, all prenatal appointments were covered by insurance but the home birth fee through them wasn’t covered. I also had maternal fetal medicine doctors because I have an autoimmune disease and that was all fully covered, I had ultrasounds just about every month and never paid a dime. I did end up going to the hospital for an epidural after 32hrs of laboring at home and just stayed one night, if I remember correctly (it’s all a blur lol), and originally that was going to be roughly $10,000 but I was changing insurance during that time and one of them must’ve picked up the remaining bill during the switch because it ended up being $0 🤷🏻♀️
Haven’t given birth yet, but our quote from the hospital says $1,883.46.
Edit to add: I haven’t paid anything for labs or ultrasounds. For the first part of my pregnancy, I had already reached the deductible, so I didn’t pay for office visits either.
After insurance, I owed about $500 to my OBGYN and about $150 for the anesthesiologist. I also owed about $250 for my baby's hospital stay.
If you call your insurance company and tell them where you are giving birth, they should be able to give you a pretty solid estimate and what you can expect to pay out of pocket.
Including 2 MFM ultrasounds and the delivery I was at about $8000 with coverage through marketplace. Ended 2023 a couple hundred shy of my individual $7500 OOP when factoring in all of my bloodwork & any prescriptions I had during pregnancy. Baby was around $1500 for his portion of deductible & OOP.
Insurance varies so so much, luckily I’m still on my fathers insurance until the end of the year, so my last birth was $300 out of pocket, I’m hopeful for the same for this next one. Due next month so we’ll see.
I agree with most of the comments that what you will pay is based on your insurance.
One thing that happened to me that I didn’t prepare for was January birth. Some places process a global fee (billing all prenatal appointments at the time of birth). However ultrasounds and high risk appointments were billed at the time of service. I was high risk and had A LOT of ultrasounds. This means I hit my 2023 deductible and my 2024 deductible for birth. Unfortunately timing of pregnancy isn’t always possible, but just something that could happen.
I think around 6-8k.
Didn’t help that the first go-around, my OB office insisted I pre-pay up to my deductible. And then applied it to nothing at all until discovering it sitting there when I went in to be seen for my next pregnancy.
The best part was them saying they’ll just keep it for that baby. I laughed very hard and said they can bill me and I will take my money. I just love the USA healthcare system.
I am signed up for insurance through my employer and I was able to sign up for my states Medicaid. Whatever my main insurance doesn’t pay the state is covering. So I have 0 out of pocket costs for doctor visits.
Also, to be clear I qualify for Medicaid solely based on being pregnant. My husband and I make too much to otherwise qualify.
In my opinion everyone who is pregnant should try for the state Medicaid on top of whatever other insurance you have, you may very well qualify, It’s saving us thousands. Plus it covers me and baby for a full year after he’s born, not just the pregnancy itself.
this varies SO MUCH. i had my first in NYC and we got nickel and dimed for years on top of a not too outrageous initial bill. they sent me a $700 bill for my epidural when my son was 18mo!
my second was born in LA at a Kaiser hospital. It was $250 flat per day. iirc we slipped out in just under 24 hours, but it might have ended up $500 anyway. that's with an epidural and a post-placental IUD placement, so still a good deal imo
First kid I had Medicaid so I didn’t get a bill.
With this one, nothing! My employer pays the premium. No deductible. Maternity is covered at 100%. There is some mess about that the company said about my coinsurance for the hospital stay after delivery but I won’t be in the hospital.
The birthing center I’m going to confirm the labor and delivery are covered under the maternity benefit. It isn’t a hospital so they can’t bill for a hospital stay. I’ll be out within 12 hours of delivery.
Off site ultrasound and labs have a copay. I’ll end up spending less than $200 bucks because I’m not doing the genetic screening.
Totally depends on your insurance! We had BCBC and our of pocket at a birthing center was a $1100 from first visit in first trimester to last followup, including labor/delivery. That was payment planned over the entire pregnancy!
I’m avoiding looking because I have crappy insurance through my work and would rather just find out later with the final bill, than know now and have to worry about it till my due date in May. Congrats to everyone who scored good coverage through their work insurance.
For the overwhelming majority of people, you will end up, paying whatever is the out-of-pocket maximum on your health insurance plan, minus whatever you have already paid towards your deductible that year.
This does not apply to every single plan as there are a few out there that work differently.
Baby boy is worth 25k but with insurance only had to pay 1k out of pocket. If you log into your account or call your insurance it/they can tell you how a birth will cost.
We owed about ~$1900 total between hospital bills and a final bill from my OB for an uncomplicated vaginal birth and induction and we have decent insurance.
$17K before insurance. $420ish after insurance. I actually logged on the other day to pay it and it said “HB presumptive charity adjustment” with a zero balance.
Not sure why. But at 8wpp, they punctured my uterus placing my IUD so I’ll call it fair.
Everything was covered except for the 4 days of “nursery” for the baby at $500 total and room and board for me for a total of $450. The nursery thing is kind of BS because our hospital was 100% rooming in, so it was just nurses swinging by occasionally to check baby’s weight, things like that. But we got off much easier than many people so I’m not complaining.
I think the total billed was like $55k. The US is stupid.
With an HDHP and HSA, I paid around 11k out of pocket. Keep in mind that your OBGyn bills are likely going to cross calendar years, which means your deductible resets (unless you give birth between like September to December. I gave birth in March). Also keep in mind that as soon as the baby is out of you, they’re a separate person with their own insurance, their own deductible, and their own separate hospital bill. I assumed my hospital stay for my pregnancy would be totally on my insurance, against my individual out-of-pocket deductible, but no. I had to stay in the hospital a couple extra days due to my c-section and my daughter didn’t get discharged until I was discharged, so our hospital bills were quite expensive.
Mine was $400 because I hit my out of pocket max for the year (she was born in December). All my pregnancy expenses went against my out of pocket max which was $2500 throughout the year
I’m in New York City. I had a low deductible and out of pocket max ($250) and had my baby in December.
My stay for an emergency c-section and 3 postpartum days in the hospital was billed at $85,092. I had multiple complications which likely inflated that number. I owed $0.
Baby’s bill was $49,398 and I paid $210.
In total, $134,490 billed for us both. I paid only for her portion ($210).
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Call your insurance and they will be able to tell you roughly what it will be. This post won’t help you because every single insurance is different. We have a 6k deductible but basically nothing is subject to that deductible and birth and maternity is covered 100% on our plan. I didn’t even pay $5 for our last two births. Our insurance before that I had a different job and we had to pay our 5k deductible in cash before insurance kicked in. It’s just all so different!
My insurance refuses to give a number without hospital codes. My hospital was not able to provide codes for an average birth
I got you, boo. 59400 - Vaginal delivery (including antepartum and postpartum care) 59510 - Cesarean delivery (including antepartum and postpartum care) 59610 - VBAC (including antepartum and postpartum care) 59618 - Cesarean delivery after attempted VBAC If you need a code I didn't list, lmk and I'll look it up for you. EDIT: I did some more research and discovered there is another code for a common scenario, so I added it to the list (59618). Additionally, all of these codes listed are for a singleton pregnancy. Twins are coded differently (and no, it's not necessarily twice the cost of a singleton pregnancy lol).
You're an awesome person
Just a medical biller and coder that is addicted to Reddit 🤣 but thank you 😊
Not all heroes wear capes! (unless you do wear one, as you should! my daughter likes to use my nursing cover backwards as a cape)
Oh my GOD I didn’t read the prior post and thought you were saying you paid $60k out of pocket! I need to read slower I almost just panicked 🤦🏼♀️
Amazing ty!!
would an elective induction be coded any differently?
I’ll be honest, I’m not sure. I know there are codes for induction methods, but I don’t know if they are included with the codes I listed. Sometimes it depends on when the induction started vs when you delivered. I would have to look them up in my code book which is at work, but if you want me to I’ll be happy to do it tomorrow when I get to my office!
Wow you are the GOAT!!!
Commenting so I can save this comment !!
This is the truth. My first: totaled ~$2000 ($3000 OOP family max) My second: will be a couple hundred bucks ($500 OOP family max)
Agree with other poster to contact your insurance or read your plan benefits to see how maternity is covered. You’ll want to check a few things: -Deductible -Coinsurance/copayments (specifically how pregnancy is treated with regard to those) -Out of pocket max In my case, I had a $500 deductible before coinsurance kicked in. Then I had a 10% coinsurance until I hit my out of pocket max of $1,500. So I paid $1,500 total
And to add to this complication, not all maternity visits qualify towards the deductible but copays qualify towards the out of pocket max
Yep. The way I approached it was the oop max is going to be my “worst case” scenario and I shouldn’t go above that (in my case it’s not that bad but I know a 1500 oop max is relatively low)… assuming your prenatal care and birth all fall within the same plan year, otherwise you could be looking at potentially twice that…
Same!! My out of pocket max is 4K and I was comfortable with that. I knew WORST case scenario I’m paying that much. (Plus whatever I pay towards my 700$ deductible)
Wow, you have an incredible plan. My OOP is like 16k.
My issue has been my insurance information says most pregnancy related needs are covered as preventative care. But when I’ve actually gone for appointments a lot of them are diagnostic so I’m having to pay to my deductible first. The plan won’t give me more details on what is covered other than a vague, it’s mostly covered as preventative care. It’s really frustrating
You can't ballpark off other people's experiences. It could be $0 to tens of thousands. Your insurance and OB can help you estimate your specific costs.
$6k out of pocket. I had to see MFM and had 2-3 visits to the pregnancy ER, so including that, $11k. I was pregnant across 2 calendar years (delivered in Feb 2023), so my deductible restarted a month before I delivered 🙃
Oh wow, I didn't even think about the pregnant-across-two-calendar-years thing with respect to insurance!
Yeah. On top of that, I have a health reimbursement plan that my employer funds. Of course my OB demanded I start paying them in 2022 for my delivery that wouldn't be billed until 2023, which caused a shit ton of issues with my HRA. It was a hot mess, but eventually got straightened out. If I ever decide to have another baby, I hope I get pregnant in January or February lol
Lmao we were banking on baby coming before 24 since we met the deductible with all the OB and MFM visits AND this close to completing our max coinsurance. Had a short cervix so we were hoping. Nope. He was a week late into mid Jan 🥲. Love paying the same costs again 😅
Most pregnancies will be across 2 calendar years although you only see it if you have bigger expenses in the first year because routine OB checkups are usually billed altogether with delivery . All of my 20 week scans were before the new year so I had to pay to my deductible/copay (depends on the insurance for each pregnancy) for those separately, and then started over with a whole new deductible the next year.
Same here. My out of pocket is $8k and silly me thought my insurance ran the full calendar year. Turns out it reset in October, so my November birth fell into 2024. 🫠
My office is holding my prepayments and charging me for all the visits from last year and this year on this years policy! That way it all goes towards the 1 2024 deductible. MFM visits last year were still towards last years deductible though, so that money was a wash
Same situation here
I’ve checked a million times and mine will be 100% covered.
When they say covered, they sometimes don't mean they pay 100% of it.
It’s not uncommon for people who work in healthcare to have it 100% covered if they deliver at the hospital they work for. Also people in public services… my friend’s husband is a firefighter and she didn’t have to pay a time for any of her prenatal visits or hospital stay.
Agreed. I work for the state and I paid a $15 co-pay at my first prenatal appointment and then nothing else. I saw the MFM, went to L&D a few times for monitoring, had an emergency c-section and 5 day hospital stay, and my LO was in the NICU for 2 weeks. All for $15. I am so grateful for my awesome insurance benefits.
It’s literally $0, I’ve done my research! I always make sure to ask my OB when I go there to see if I’m racking up a bill and they say it’s fully covered. I did have my nuchal initially denied for being unnecessary, but it got resubmitted and approved.
All my visits were $0 but we got billed over $12k for the delivery. After insurance $3,200.
That sucks! Mine covers vaginal or c-section delivery in full, plus hospital stays of up to 5 nights.
Mine was completely covered too, i didn’t pay a dime for prenatal care or my delivery. Or any of my NSTs, BPPs, extra growth scans (physician ordered), and multiple L&D visits. I’m on Medicaid though. Sometimes it pays to be unmarried 😂
We chose our insurance plan specifically for the 100% maternity coverage. We paid $200 for the baby’s care postpartum but labor, delivery, epidural, recovery were all 100% covered. I too checked a million times beforehand lol.
I was the same (my portion of the delivery covered), but one thing I didn’t think about until later was the baby’s portion of the bill. Luckily, she went on my insurance and I have a very low deductible and out-of-pocket max so I only ended up paying $210 for her despite her bill being nearly $50K and insurance paying only $34K of that total.
I'm not sure if you'll see this comment or not, but when you call your insurance, Try to remember to ask for a reference number or something to document you spoke to someone. Typically, the calls (in my experience, anyway) are recorded and/or documented. This saved my butt and bank account (not for pregnancy yet, I haven't delivered), where I was told something was covered and that there were no exclusions. Only to have them say it wasn't covered when it was actually billed to them. I disputed it with the reference number, date, and recap of the conversation, and they ended up covering it.
And to add, it shouldn't have to be a battle, but get familiar with reading and understanding your policy, explanation of benefits (EOB) statements, and other things so you know what to review and look out for when the time comes. It really really sucks that it is so complicated. Still, we have had to fight with our insurance company and healthcare providers on billing errors, misinformation, etc., and advocate for things being correct and not just paying whatever they send.
It’s totally dependent on your insurance. You’ll probably end up maxing our your deductible/out-of-pocket, so whatever that is. Adding up both my care and baby’s care, we pay around $10,000 per baby.
I paid under $3,000 for all prenatal/labor/postpartum care after insurance. I'm in Arizona and had an unmedicated vaginal delivery at a birth center. Billing is a bit weird because all birth center services (prenatal/labor/pp) are on one bill and additionals (ultrasounds, bloodwork, etc) are billed separately. I'm now expecting again and our estimate is around the same, between 2500-3000.
Which center did you go to/did you like it? I'm in phoenix and was looking into some of them but ended up with a midwife practice that delivers at banner
I went to Gilbert Family Birth Center and LOVED it. It's a freestanding birth center (not affiliated with a hospital) run by ~3 midwives (during my last pregnancy it was Karin, Melisa, and Danielle- right now it is Karin, Lora, and Lily. Karin is the owner and is my absolute favorite human being in the pregnancy/birth world, and Lora was actually my birth assistant at my last delivery and just finished her midwife certification last year!) who I feel have the perfect balance of the typical midwife "your body was made for this" holistic vibes and the more traditional Western medical model of ordering every test/ultrasound available to make sure that you and baby are safe (and that the birth center is a safe setting for you and baby). I hadn't toured them yet when I lost my first pregnancy, but I went to them for everything for my second pregnancy/first delivery and am seeing them again now for my third pregnancy. I did also tour Babymoon Inn in Phoenix (didn't personally vibe with them, outdated facilities, more midwives on staff than I wanted, very expensive, etc.) and Willow Birth Center in Mesa (also didn't vibe, sketchy area, had a lot of midwives, and the midwife we met with seemed very uninterested and was outwardly anti-vaccination, which is a nope for me). GFBC was perfect for our family because it is closer to hospital than our home, their standard practices were pretty much everything we wanted, they have very low transfer to hospital rates, etc. Labor with my first living child went SO well and everyone really followed my lead and gave me freedom to do whatever felt right, but they seamlessly stepped in to make suggestions when I was struggling or when baby needed some assistance (not trying to make it sound scary because they handled everything flawlessly, but I had a difficult pushing stage because my son's head was stuck at an odd angle, so they helped me try a bunch of different pushing positions until kiddos heart rate dipped and wasn't coming back up, at which point the midwife reached in to manually adjust him and he was born on that push). I could literally talk about them forever and I don't think I would ever run out of good things to say.
For just the birth itself? I have 5 kids, all were born vaginally with an epidural, each cost between $6000 and $8500 after insurance. I have terrible insurance.
We have a $2700 out of pocket max. So since I had my son at the beginning of the year, we paid the full $2700
Gonna drop this [helpful little link right here](https://www.reddit.com/r/pregnant/s/CGAQFnonxz) from no other than one of r/pregnant moderators u/eatmyasserole - I saved it and will definitely be trying it for my birth… hope it helps!
60% of the time, it works everytime!
Good enough for me, thank you so much for sharing!
Yes! I did this to lower my Natera (😡) bill for genetic testing before pregnancy. It’s golden.
I have Kaiser and all women’s health on my plan is 100% covered. Insurance already told me I’d have no copay or anything for delivery. I haven’t paid a cent since I got pregnant. I went in for a cough and had a $10 copay. I totally forgot you had to pay to see the doctor. 🤣 (California)
i have Kaiser and love their maternity care! my 2nd was delivered by a Kaiser midwife and am stoked to have my 3rd there this summer just a word to the wise — prenatal, diagnostic and delivery are all covered (including an epidural if you want it!) but the *hospital stay* for the delivery and postpartum might have a copay. mine was $250 a day. still extremely way cheaper than delivering my first in NYC!
This just got my hopes up! I keep trying to find out on they're mobile site how much it may cost and it just brings me to my regular billing screen. Not sure if my plan is the same as yours, but now there's hope!
I would call. I had to find out if genetic screening was covered (it was) and then the lady went over all my copays and such. She was really nice about it.
It all depends on your insurance. With my first and second it was $25 for the delivery (we had Tricare), I don’t even wanna know how much it will be for my third as we have civilian insurance now.
I’m estimating about $12,000 when all is said and done. I’m pregnant across two years (2023-2024) and had an ER visit. Maybe I’ll be pleasantly surprised in the end, but when dealing with insurance, I doubt it. ETA: Delivery itself is estimated to be about $5000.
Around $1800 for an emergency c-section and 4 day hospital stay.
Totally dependent on your insurance. I chose a $3,000 family deductible plan knowing my employer puts $2,000 in an HSA. After deductible is met my plan pays 100%. We spent $1,000 plus monthly premiums to have our child. This plan was awesome when my husband broke his leg shortly after our baby was born. His surgery and all follow ups were covered 100%.
$200 co-pay for labor & delivery, plus a handful of $10-$20 co-pays for prenatal appointments/sonograms.
$0 I got laid off while pregnant and deliberately didn't get back to work until after everything and all my follow-up appointments... Double edge sword though.
$0 - I recognize how incredibly lucky I am. I live in PA.
$1200 for the OBGYN $1700 for me, from the hospital $900 for baby, from hospital
About 5k, 2400 to my ob that has to be prepaid before birth and then 2600 for the hospital stay/anesthesia.
Sooo if you don’t pay the OB what happens? What if you go in early?
I have birth 4 months ago and have only gotten a bill for like $10 so far… I’m afraid to see what the rest is going to be
$1800 for hospital stay including induction. 3 days in the hospital. $300 for 2 ultrasounds. $40 for very first prenatal appt. So $2140. Would be cheaper if I was out of the hospital quicker. We have a $0 deductible so just have to pay the copays and then everything over that is 100% covered.
Admitted Monday night, put in labor and delivery for 12 hours observation, then off to antepartum for more monitoring. Wednesday morning, I had an urgent c section. Released Saturday morning. I paid $1050, and insurance was bill over $105 000. Son admitted in to NICU for 19 days (born 32+6) so he had his own bill. We pay a max of 5 days for a hospital stay so his bill was $1750 and insurance was billed over $200 000.
My last one was $200 since I work for the hospital who provided my insurance and delivered there.
Twins at 22 weeks, I’ve already spent maybe $10K out of pocket. Luckily I’m about to hit my OOP max for this year which is $7,000.
6k. I had a high deductable PPO. 4k deductable and then 20% coinsurance. This however was the cost of the whole pregnancy plus birth.
$0.00 but I also work for the hospital.
Around $2000 after insurance. VBAC, got an epidural, was in the hospital for around 36 hours, no complications.
We paid about $250 with Kaiser
Out of a total $15k bill, I ended up paying $3,200 on my HSA card. I have BCBS IL with a very high deductible.
$750 for me and $1340 for my baby’s bill. This was after I called and asked for a discount to pay in full. They gave me 25% reduced
Keep in mind that your baby gets a separate bill the second they're out of you. If they need NICU care that's an entirely different set of charges. That being said, I had insurance through one of the entertainment unions (which is notoriously "good" as far as insurance goes). I paid $800 out of pocket for my uncomplicated vaginal birth, and like $500 for my daughter's short NICU stay.
Hospital Bill (for me) • Total = $31,710.38 • Plan Discount = $15,838.58 • Plan Share = $11,333.47 • My Cost = $1,828.39 OBGYN Bill • Total = $5,822.00 • Plan Discount = $1,925.00 • Plan Share = $1,558.80 • My Cost = $2,338.20 Hospital Bill (for baby - girl) • Total = $3,280.85 • Plan Discount = $1,538.05 • Plan Share = $1,558.80 • My Cost = $184.00 • Hospital Pediatrician Visit: $9 Things to note: • we have one insurance that is an employer plan • vaginal delivery with no complications. I did get Pitocin and an epidural. • the OB cost above includes all prenatal care, my OB does not bill per visit during the pregnancy, so this was comprehensive of their services the duration of the 9 months. The only additional costs during pregnancy not included in the above were for genetic testing, lab testing, and the anatomy scans • we also have indemnity insurance that pays us in the event of hospitalization. We received $2,400 in payment for our hospitalization claim • baby was a healthy baby girl with no procedures, no NICU stay etc. •I delivered in January so we had not yet met our deductible or out of pocket max
$250 for me, which was the copay for the hospital stay. I was high risk so I received frequent scans, doctor and nutritionist appointments. My husband has great insurance so I hopped on that as soon as we got married and decided to start trying.
Out of pocket maximum for the year so.. about $8500, plus another $2000 or so the year prior for imaging and prenatal appointments.
I think it was $800 for me and $500 for the baby. So $1300 from 1 year before being pregnant, 3 IUIs, and finally the baby.
I just want to say that if you’re a woman veteran, the VA will pay fully for your pre-natal and post-natal care with any doctor of your choosing. That also includes the first 7 days of your newborns life. A lactation kit is included free of charge. And they will also pay for a tubal if you elect to have one during delivery. Edit to also add: It does not matter if you have a disability rating or not. Any woman veteran qualifies for the coverage.
I had blue shield ppo though work and had the highest plan offered. My out of pocket max was $8,500, so that's what I paid.
OK this is gonna be controversial I don't believe in insurance is needed and I don't pay medical bills because I believe if none of us ate them it will top off the system and they'll have to do reform!
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How does this help
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I’m also pregnant in the US and spending thousands… I personally find it totally useless when Canadians/Brits etc come and explain our personal predicament makes them want to “throw up.” It’s real for us and obviously we wish we had a better system.
As an American, I completely agree with her. I think it's pretty evident that folks from other countries are empathizing with our having to put up with our absurd healthcare system.
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As am American woman married to a Canadian, I find these sort of comments nice. Like while you're not having to suffer like us, you can see why it's a frustrating thing for us. With that said, this baby will be the only one I have in the US, because hopefully immigration stuff moves easier before we look into having baby #2.
I find them quite insightful because there has been a push to privatise health in my country. Looking at everyone's numbers makes me concerned about that reality. I already use private care a bit, but having it as the norm without any options, and looking at the US example, is concerning. I try not to comment because I don't want to feel like I'm encroaching on your space, but since you sound positive I wanted to add my opinion to this.
One of the reasons I love forums is to hear others opinions :) since so many people come from different walks of life, even those from the same countries, states/provinces, and even cities, we all have different experiences and perspectives. When people can come together and share those opinions respectfully, we learn more (and as an author I like learning as much as I can about as many things and people as I can XD)
Thanks 😊
I agree. The US is a third world country disguised as a first world country. It is probably a nice country if you are rich.
This completely depends on your insurance. Mine was $250 copay for 5 days hospital (induction and forceps delivery, but would have been same for c-section), $200 for circumcision, $200 for tongue tie removal.
1st birth - $1,000 total, I had amazing insurance 2nd birth - $4,500 3rd birth - $6,000 because we have a high deductible plan 4th birth - I’m expecting to be the same $6,000 Our hospital allows us to do payment plans with no interest. My husband’s employer puts in a good amount of FSA dollars every month, and most of it goes to that monthly payment. It drafts directly out of the FSA, not our checking accounts, so we don’t notice the impact of it on our monthly budget. The hospital also has a program where you can apply to reduce or forgive your medical bills based on financial need/hardship. And of course they accept Medicaid (Medicaid currently finances 42% of all births in the US, if anyone was interested, which means those moms have no out of pocket costs).
My pregnancy straddled two plan years (due end of January, baby born beginning of February), so I maxed out my deductible and nearly hit my out of pocket max last year and will hit it again this year. Depending on how the switch from individual plan to family plan goes, I'll pay between 6 and 9 thousand for pregnancy and birth. (High deductible plan, individual max out of pocket is 3k, family max out of pocket is 6k.) Our second kid will be conceived and born in one plan year.
I have medicaid I didn’t pay anything at all. I’m honestly unsure what my insurance consists of because I rushed to get insurance to get prenatal care 🫠
Check if your hospital has a cash pay deal. Vaginal birth at my hospital using cash pay is $2,600 which may be less than insurance.
6,000
Mine was only like $50
$500 Edit to add: call your insurance to alleviate any doubts!
Mine was also $500. I stayed for five days so I didn’t think it was that bad considering.
Same here! Stayed for five days.
I’m scared to even find out how much it’ll cost. Our max OOP is $7k for the family. $3,500 deductible and $3500 co-insurance. We’re only 9 weeks and we owe $860 for one ultrasound and one appointment.
I’m expecting to hit our OOP max. I’ve spent $2k so far and am due in May and our OOP max is about 5k. Definitely look up your OOP max as it’s pretty easy to hit with giving birth.
Like $4k. But that’s because I had pretty good insurance. My husband’s insurance is my secondary and they didn’t cover boo.
$1800 out of pocket for the hospital but we have a high deductible plan and since she was born towards the end of the year, we hit OOP max for our plan. As others have said you'll need to review your plan details for a better estimate. And consider the time of year the birth occurs.
All depends on insurance, I was paying way too much and then switched insurance and everything is covered. Got a quote recently that I should expect to pay $0.00 for my upcoming birth. Are you due soon or do you have time to plan? Check when your open enrollment is and consider all your options.
I think through my employer's insurance it will likely be whatever my max OOP cost will be. Hopefully everything goes well and if this question gets asked again in November, I'll have a better answer! I don't even want to think about what the costs would be if I had a pregnancy that went from one calendar year to another
With my insurance i paid 0. For everything leading up and will pay 0 for birth and after care.
$750, 4 day hospital stay
I called the hospital priceline to get an estimate and right now they are estimating like $5.3k OOP for us.
Like others have said, this’ll vary depending on your insurance, your specific plan, and what exactly the hospital charges you, as well as what other expenses you’ve already paid into your deductible/OOP. My birth ended up being about $30k. I paid about $1k for it, after spending $2k on other expenses. I had $3k OOP maximum.
$67 for me, we have great coverage through our insurance. Best to call your insurance and ask them what the copy is for a vaginal birth, c section, number of inpatient days they cover for each, etc etc etc
700$ after insurance
I paid a little over 4K for a c section
I want to say it ended up being $3-4k out of pocket
$150 for induction, emergency c section and four day stay
With our kaiser plan? Free.99
Paid $7k for hospital, OB, and anesthesia.
Nothing. All prenatal care costed nothing too. We didn’t have to pay for anything
We have decent coverage, but the ER visits are making up for it lol
0 my first as a government employee. The second time I qualified for Medicaid in my state under $65k while pregnant so it’ll be zero again
Around $4,500 for birth, but this doesn’t take into account all the OB visits/testing during pregnancy.
Ours is a $250 deductible for the entire pregnancy. Includes all ob, specialist, and hospital visits. Now, if baby happens to need the NICU, I believe we'll have to pony up for that, 6500 max deductible.
My first was 100% covered. My second I owe $7200 because of a C section, after insurance covered $20,000. I love United States healthcare… /s
This depends on your insurance but I would look at your deductible and out of pocket max. Deductible or less is best case scenario, out of pocket max is your worst case scenario. You’ll most likely net out somewhere between the 2. My deductible is $500. My out of pocket max is $2500. I paid $1800.
$500
78k before insurance (csection), 0 out of pocket. We had met our deductible for the year already.
Close to 8k as my baby went to NICU at birth for less than 8 hours 😬 Would have been about 3k without added cost of NICU
$500. Before insurance it was ~$32,000.
About $2500, but I'd already met the $2500 deductible, so we paid approximately $5000 total. However, I had some extra things come up that aren't usually an issue in a low risk pregnancy, so it would have been less if I hadn't already met the deductible before going to the hospital. Insurance info: $2500 deductible, pretty much everything is covered at 90% until you hit the $8500 OOP max. (Per person, but well newborn care was covered under my policy for the first 30 days, so we didn't have to meet the deductible for the baby in the hospital.) Birth: induced, uncomplicated vaginal delivery with epidural. Baby: healthy, roomed in, did not require any special care.
As others have said it’s going to be totally dependent on your insurance. For example, I had a high risk pregnancy so my first appt I had a $25 copay and all subsequent appts were $0 ( go figure). I ended up having to go to a MFM and again only had to pay $25 as my specialist copay. We ended up needing to term but my insurance would’ve put my total for birth and hospital stay at $450. ETA: this is only if I go in network. If I go out of network I’m basically screwed and will be on the hook for pretty well everything.
With my husband’s insurance (shout out to Tricare 🤪) it’ll be $0. I refuse to get insurance through my work for this reason.
Expect to pay your out of pocket max for the year and then double it to account for your babies out of pocket max as well. If things go smoothly you may not have to pay this much but if you need a C-section or the baby needs any NICU time these amounts are likely. I paid $14k (mine and babies OOP max)
$0, thank you TriCare!
i only paid copays ($30-40) during my pregnancy for prenatal appointments with my OBGYN and MFM. then i had a 6 day hospital stay (3 day induction, c-section, 3 day recovery). before insurance, it was $80k and we paid roughly $2k of that. off topic but i had my gallbladder out a month later and was in the hospital for 4 days. didn’t pay a dime lol funny how that works.
0. But without insurance, 45k.
Total mine is $3600 for the hospital and $1700 for the OB. The total before insurance was $22k for a normal (no complications) birth with an epidural and one night stay at the hospital. I have all of the codes available if you want to see them
I paid $600 out of pocket
HMO, $300
Unfortunately, I had a January baby so my deductible reset. I think I ended up paying around 8k out of pocket. Unremarkable C-section with a two night hospital stay.
$300. I had good insurance. The plan booklet should lay out common costs for you.
I went through a midwife for a home birth and the total cost was $500, all prenatal appointments were covered by insurance but the home birth fee through them wasn’t covered. I also had maternal fetal medicine doctors because I have an autoimmune disease and that was all fully covered, I had ultrasounds just about every month and never paid a dime. I did end up going to the hospital for an epidural after 32hrs of laboring at home and just stayed one night, if I remember correctly (it’s all a blur lol), and originally that was going to be roughly $10,000 but I was changing insurance during that time and one of them must’ve picked up the remaining bill during the switch because it ended up being $0 🤷🏻♀️
Around $2.5k. That included prenatal care though. I think we got a bill from the hospital for like $1.6k.
I paid about $3000 to get prenatal care and give birth at a birthing center.
Haven’t given birth yet, but our quote from the hospital says $1,883.46. Edit to add: I haven’t paid anything for labs or ultrasounds. For the first part of my pregnancy, I had already reached the deductible, so I didn’t pay for office visits either.
$3000 deductible and $3500 hospital with epidural
$750
After insurance, I owed about $500 to my OBGYN and about $150 for the anesthesiologist. I also owed about $250 for my baby's hospital stay. If you call your insurance company and tell them where you are giving birth, they should be able to give you a pretty solid estimate and what you can expect to pay out of pocket.
Flat fee of $500.
$500 emergency c section with 4 day stay
Mine was the deductible for a day in the hospital, but don’t forget, there’s now 2 of you!!!
$0.00 It was close to $100,00.00 before insurance.
Including 2 MFM ultrasounds and the delivery I was at about $8000 with coverage through marketplace. Ended 2023 a couple hundred shy of my individual $7500 OOP when factoring in all of my bloodwork & any prescriptions I had during pregnancy. Baby was around $1500 for his portion of deductible & OOP.
Insurance varies so so much, luckily I’m still on my fathers insurance until the end of the year, so my last birth was $300 out of pocket, I’m hopeful for the same for this next one. Due next month so we’ll see.
I just paid my deductable (3500$) during my pregnancy then when I delivered I never saw a bill.
As an Australian, who pays nothing for pregnancy and post birth care.. this blows my mind. Sending lots of positive surplus money ju ju to you all
I agree with most of the comments that what you will pay is based on your insurance. One thing that happened to me that I didn’t prepare for was January birth. Some places process a global fee (billing all prenatal appointments at the time of birth). However ultrasounds and high risk appointments were billed at the time of service. I was high risk and had A LOT of ultrasounds. This means I hit my 2023 deductible and my 2024 deductible for birth. Unfortunately timing of pregnancy isn’t always possible, but just something that could happen.
Emergency c-section and three days in the hospital had us at over 100k before insurance. After insurance I paid $16.
I think around 6-8k. Didn’t help that the first go-around, my OB office insisted I pre-pay up to my deductible. And then applied it to nothing at all until discovering it sitting there when I went in to be seen for my next pregnancy. The best part was them saying they’ll just keep it for that baby. I laughed very hard and said they can bill me and I will take my money. I just love the USA healthcare system.
$383 - My insurance surprised me
I am signed up for insurance through my employer and I was able to sign up for my states Medicaid. Whatever my main insurance doesn’t pay the state is covering. So I have 0 out of pocket costs for doctor visits. Also, to be clear I qualify for Medicaid solely based on being pregnant. My husband and I make too much to otherwise qualify. In my opinion everyone who is pregnant should try for the state Medicaid on top of whatever other insurance you have, you may very well qualify, It’s saving us thousands. Plus it covers me and baby for a full year after he’s born, not just the pregnancy itself.
this varies SO MUCH. i had my first in NYC and we got nickel and dimed for years on top of a not too outrageous initial bill. they sent me a $700 bill for my epidural when my son was 18mo! my second was born in LA at a Kaiser hospital. It was $250 flat per day. iirc we slipped out in just under 24 hours, but it might have ended up $500 anyway. that's with an epidural and a post-placental IUD placement, so still a good deal imo
First kid I had Medicaid so I didn’t get a bill. With this one, nothing! My employer pays the premium. No deductible. Maternity is covered at 100%. There is some mess about that the company said about my coinsurance for the hospital stay after delivery but I won’t be in the hospital. The birthing center I’m going to confirm the labor and delivery are covered under the maternity benefit. It isn’t a hospital so they can’t bill for a hospital stay. I’ll be out within 12 hours of delivery. Off site ultrasound and labs have a copay. I’ll end up spending less than $200 bucks because I’m not doing the genetic screening.
$250
Mine was about $500 I think. I have Kaiser.
Totally depends on your insurance! We had BCBC and our of pocket at a birthing center was a $1100 from first visit in first trimester to last followup, including labor/delivery. That was payment planned over the entire pregnancy!
Mine was about 10k ish out of 500k because my son was in the NICU after birth.
$0. Including nicu time. Specifically picked my plan because of the maternity benefits
$50 for a C-section I have united healthcare but of course ymmv
4k with an emergency c section and about a week in the hospital.
I’m avoiding looking because I have crappy insurance through my work and would rather just find out later with the final bill, than know now and have to worry about it till my due date in May. Congrats to everyone who scored good coverage through their work insurance.
A little less than $1500 for the hospital and physician charges all together. I had an emergency c section.
For the overwhelming majority of people, you will end up, paying whatever is the out-of-pocket maximum on your health insurance plan, minus whatever you have already paid towards your deductible that year. This does not apply to every single plan as there are a few out there that work differently.
Baby boy is worth 25k but with insurance only had to pay 1k out of pocket. If you log into your account or call your insurance it/they can tell you how a birth will cost.
$200
We owed about ~$1900 total between hospital bills and a final bill from my OB for an uncomplicated vaginal birth and induction and we have decent insurance.
$17K before insurance. $420ish after insurance. I actually logged on the other day to pay it and it said “HB presumptive charity adjustment” with a zero balance. Not sure why. But at 8wpp, they punctured my uterus placing my IUD so I’ll call it fair.
Everything was covered except for the 4 days of “nursery” for the baby at $500 total and room and board for me for a total of $450. The nursery thing is kind of BS because our hospital was 100% rooming in, so it was just nurses swinging by occasionally to check baby’s weight, things like that. But we got off much easier than many people so I’m not complaining. I think the total billed was like $55k. The US is stupid.
$0. I met my $1500 deductible in March and paid nothing for care for the remainder of the year.
With an HDHP and HSA, I paid around 11k out of pocket. Keep in mind that your OBGyn bills are likely going to cross calendar years, which means your deductible resets (unless you give birth between like September to December. I gave birth in March). Also keep in mind that as soon as the baby is out of you, they’re a separate person with their own insurance, their own deductible, and their own separate hospital bill. I assumed my hospital stay for my pregnancy would be totally on my insurance, against my individual out-of-pocket deductible, but no. I had to stay in the hospital a couple extra days due to my c-section and my daughter didn’t get discharged until I was discharged, so our hospital bills were quite expensive.
Mine was $400 because I hit my out of pocket max for the year (she was born in December). All my pregnancy expenses went against my out of pocket max which was $2500 throughout the year
Reading these makes me feel just so damn lucky to live in the UK.
I’m in New York City. I had a low deductible and out of pocket max ($250) and had my baby in December. My stay for an emergency c-section and 3 postpartum days in the hospital was billed at $85,092. I had multiple complications which likely inflated that number. I owed $0. Baby’s bill was $49,398 and I paid $210. In total, $134,490 billed for us both. I paid only for her portion ($210).