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Cost of the birth!

Forum: 2013 Playroom


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May 22nd, 2013, 09:14 PM
Join Date: Jan 2013
Location: Boise ID
Posts: 447
I think I will end up paying about $2,000 out of pocket for my OB care and then my hospital charges will be 100% covered if I deliver at the hospital that I work at. Unfortunately we don't have a NICU at our facility (the nearest one is about 20 minutes away) so I will only deliver there if I make it to term and everything looks good with the baby. If there is any inkling that something is wrong or if I go into labor before 37 weeks then I will deliver at the facility that has the NICU. That will be more expensive... probably an additional $3,500 out of pocket (that's with insurance!).
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May 22nd, 2013, 11:05 PM
Super Mommy
Join Date: Dec 2012
Location: USA
Posts: 594
Our insurance's maternity deductible is $7,500 per baby, so our portion is $15,000. Thankfully, we qualify for a state pay-down program. We will pay $2,500 (almost fully paid! Yay!), and then this program pays the difference between the two deductibles.
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May 23rd, 2013, 06:55 AM
Join Date: Sep 2012
Posts: 376
If she comes prior to August 1, we have a HSA so we'll pay our $5000 deductible, less whatever we've spent already on healthcare costs this year. If she arrives after August 1, we'll be on hubby's new insurance from his new work - we'll be out of network, but the out of pocket max is less than our HSA.
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May 23rd, 2013, 07:24 AM
Join Date: Apr 2012
Location: Wisconsin
Posts: 461
This is my first so I'm not for sure, but according to my insurance document through work it looks like my portion will be around $2,540.....but $2,540 that is well worth it to have my baby in my arms!
- Mommy to Eric 7/30/13, 7 lb 11 oz, and 21 inches long.

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May 23rd, 2013, 09:47 AM
Join Date: Dec 2012
Posts: 205
I think $4,000, plus $800 if I get a doula. The $4000 is my deductible through my work insurance (Blue Cross and Blue Shield). Pain in the butt. Last time I had state insurance and it was all free. But my boyfriend has a good job and works very hard ... kinda stinks that sometime I wish he didn't make so much. The whole system is crap.
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