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Tell Mommy: How Much Did Having Your Baby Cost?

Moms in the making think and even worry about the expenses offspring will bring — the price of diapers, wipes and formula adds up, but most parents-to-be focus more on the college fund, than one for the hospital. When my daughter was born, we joked that she was a bargain because my co-payment was something like $10 for her birth. A few years later when my son made his debut, our insurance had changed and he set us back a few more Benjamins — to the tune of $3,500. But, we still felt lucky when we saw the grand tally that came in the mail and was offset by our coverage.

In light of the economy and unemployment rates, a recent New York Times article reported on the realities uninsured mothers face. When a very pregnant Starla Darling, 27, found out she was going to lose her job and health insurance, she had her labor induced and ended up with an emergency c-section and a hefty $17,000 bill that the company won't cover.

Were you surprised by the amount of your baby's bill — what portion did you have to pay?

Join The Conversation
isa56 isa56 8 years
and my baby cost 3000
isa56 isa56 8 years
im 4 months
daisymay81 daisymay81 8 years
I'm currently pregnant, 9 weeks. I tried to get as close to the new year as I could. I have a $5000 deductible and still pay around $300/month because I was born with a birth defect. I've been to the doctor twice and has blood work twice and all of that will wash out Dec. 31. After I make my $5000 they go to 80/20. I have to pay another $2000 before they will pay 100%.
canadianmama canadianmama 8 years
I'm very grateful to live in Canada! I only had to pay for the hospital room if i wanted a semi-private or private room for after the delivery - but i also have insurance that paid for my private room.
JennyJenJenMurph JennyJenJenMurph 8 years
Our out of pocket deductibles are $2,500 for me and $2,500 for him (which is actually good because 2 days in the NICU racked up $14,000 on him alone). Total we'll probably end up paying $5,000-$6,000.
Evalicious Evalicious 8 years
$9,000 - pre-baby for doctor visits, exams, blood tests, sugar tests, ultrasounds, vitamins and routine things. $25,000 for an emergency c-section and extended hospital stay. TOTAL = $34,000.00. I was always very scared of everything b/c we don't have insurance. When I was with my parents I had excellent healthcare, it took care of everything and if I had had a child before I was married it would have cost me $10.00, but I haven't been with my parents in 4 years and both my hubby and I have excellent jobs working for ourselves. Still I can't even think about the next baby until this one is paid off!
Greggie Greggie 8 years
Of course you can have labor induced if you're not ready. It's a huge trend, doctors are doing it because they're going out of town that weekend and don't want to miss it, because the mom wants her in-laws to attend while they're in town, etc.
Jessiebanana Jessiebanana 8 years
Sarana I also don't believe that you can have labor induced unless your ready to deliver or have some emergency. This woman probably speed up her delivery date by a few days. Being able to financially provide for your baby is very important. I don't think she was being selfish I'm very sure she was thinking about her baby.
Greggie Greggie 8 years
The NY Times article has the example of a woman who induced labor because she was losing her insurance. I'm not sure I can say she considered saving money more important - the big picture may be that saving money was equal to her baby's health. We don't know her financial details to say for sure.
facin8me facin8me 8 years
Sarana, I don't know where you got the idea that anybody commenting here thought that saving money was more important than a baby's health. None of these comments reflect that sentiment.
Sarana Sarana 8 years
The thing that shocked me about this post that that woman thought saving some money was more important than her baby's health! Over here we don't pay anything, everything is insured (health insurance is mandatory). If you want to have a hospital birth without medical indication you do have to pay some I think.
milosmommy milosmommy 8 years
I paid a $20 copay for the first office visit. My deductible was $250 which I think was met before my delivery so they paid 80% after that. I think our bill was like $400 for hospital and $200 for the doc. Pretty good I think. Oh and Milo had a 2wk stay in the NICU. Thank god we have decent insurance. I only had to pay $600 out of an over $100,000 bill. I really feel for those without insurance.
Jennifer777 Jennifer777 8 years
We paid $750 for my prenatal care and Dr's delivery fees and $1500 for the 1 night hospital stay and delivery fees. The worst part of it all was we had to pay upon admission at the hospital.
momma-tikita momma-tikita 8 years
wow those deductibles were high! We had a deductible of $20 for the actual labor. My son was born with immature lungs and he had to stay in the NICU an extra 3 days. I was bummed of course beause I HAD to go home. But when it was time without asking anything from them Aetna (our insurance at the time) paid for those extra 3 days for me to stay in that hospital room. I didn't know that they only paid for a certain amount of stay. But I thougt it was great that they did. I was real lucky with that insurance.
Mommy-of-Three Mommy-of-Three 8 years
Our insurance has a deductible of $4800 so that is what we paid when our daughter was born. That does not include copays for each doctor visit or prescription. When my sons were born we had different insurance with only a $500 deductible. We didn't realize how lucky we were then !
meandtheo meandtheo 8 years
i paid a one time $15 co-pay at my first doctor's visit. I think i had to pay a $200 co-pay for birth and delivery. i did get the bill in the mail...$35,000, just for the delivery and 2 night hospital stay. I can not imagine what the weekly stress tests would have cost...our health systems SUCKS..i feel awful for people that do not have good or any coverage for that matter. i hope Obama really does fix it!
eggmaker eggmaker 8 years
Military has to be good for something right? Didn't pay a dime!
momma-tikita momma-tikita 8 years
nothing...but my belly. :)
bluepuppybites bluepuppybites 8 years
We didn't pay anything with our daughter because I was covered my medicaid. Oh wait I paid $30 for a flu shot. With our next one I have no idea what we will pay, we have great health coverage, so I will appreciate that.
lawchick lawchick 8 years
sorry for misspellings! ($25 dr visit/$500 hospital deductible)
lawchick lawchick 8 years
krae I haven't had a baby but have been aware of my insurance coverage for that, and it varies wildly. two years ago I had insurance with 100% maternity coverage. a year ago I had insurance with ZERO maternity coverage. now I have fairly normal insurance with co-pays for maternity and everything else 9$25 dr visit/$500 hopistal deductible)
krae85 krae85 8 years
so.. why did the co-pay amounts increase so much?
facin8me facin8me 8 years
It's disheartening to think that only a few years ago people could have a 10 or 25 dollar copay to have their babies and now we're talking in the thousands. It's not right.
Greggie Greggie 8 years
We didn't pay a dime other than office copays. I believe our first was $25,000 in 2000 but I've never seen a statement on the others.
MotoLinz MotoLinz 8 years
My first son was a $25 copay at my first appointment, $500 for delivery/my hospital stay, and $500 for his stint in the NICU. I guess the true cost would be whatever I'd paid into my health insurance during that 9 months, technically. That certainly wouldn't even touch my $10,000 hospital bill and his $35,000 NICU bill, though. This one will be a little more because I'm on different insurance and have had to pay a bit out of pocket before my maternity rider fully comes into effect, but the grand total should still be under $3,000.
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