How Much Is the Hospital Bill for Having a Baby?
The hospital bill for having a baby can vary in price. Depending on the type of center where you choose to have the baby. The cost also depends on how long you stay at the hospital. And what procedures you need to be done while you are there.
You Will Also Need to Factor in Extra Costs
The costs such as the cost of a birth certificate, any tests you might need to be done, and if you plan on having someone watch your other children while you are in labor.
The hospital stay for expected delivery is usually between $3,500 and $6,000. However, prices vary greatly depending on where you live. A cesarean or c-section is pretty expensive. And can range between $7,000 to $13,000 for expected delivery.
You’re out of pocket costs will depend on your health insurance provider and what their deductible is. If your insurance does not cover the procedure, you may have to pay all the costs yourself. Which can be as much as $20,000.
The Birth of a Child Is Not Only an Exciting Time for Parents
It is also a costly time. Many people who have insurance will receive some reimbursement after the fact. However, they still end up paying quite a bit out of pocket. Because their insurance only covers so much of the cost.
Even those who have insurance only end up paying a small percentage of their deductible. Leaving them to pay very high costs for just about everything else.
Prenatal Care Is Not Typically Covered by Insurance and Can Cost up to $5,000
Hospitals often charge you more just because you are insured. However, this does depend on the hospital. If your insurance allows it, they may pay for part or all of your birth.
Other things you may want to budget for include the cost of baby items such as a crib, car seat, and diapers.
If you do not have insurance, there are many places where you can receive free assistance with your pregnancy. You should also check with the hospital about possible price breaks. If you choose to give birth there instead of at a home or a birthing center.
The Birth of a Child Is an Experience That You Should Not Have to Break the Bank For
With the high cost of everything else involved, it can be tough to prepare for what seems like astronomical costs at first glance.
Many people who need assistance will often turn to family and friends or local charities to receive the help they need.
Thank you for reading this article about how much hospital bills can cost. If you’re worried about the costs of having a baby, I suggest that you get in touch with your insurance provider or talk to the hospital’s billing office. These people will be able to answer any questions that you have and help lower the costs.