children are priceless, but in the united states, giving birth to one is far from free. When American mothers bring their newborns home from the hospital, large bills can arise.
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The average doctor charges for an uncomplicated vaginal delivery in the US. uu. It’s $3,035, according to data from fair health, a nonprofit health care organization that maintains a national database of insurance claims. that includes the cost of routine care before and after delivery (but not tests like ultrasounds or amniocentesis). if you want an epidural (which, let’s face it, a lot of women do), it’s another $2,132 on average. prices vary considerably depending on where you live. the average cost of a c-section nationwide is $3,382, plus $1,646 for an epidural, fair for health.
but that’s just for your doctors, not the hospital. In a separate study published in the journal Health Affairs last year, researchers found that the cost of a hospital stay to give birth ranged from $1,189 to $11,986, and that was for what were considered low-risk deliveries.
Just to be clear, your actual out-of-pocket costs will vary considerably depending on your health insurance policy.
Most people with insurance first have to meet a deductible, that is, pay a certain amount out of pocket before their insurance covers the bill. On average, employees in traditional PPO family plans must pay $2,012 as a family or $944 per person to meet their deductible, according to the Kaiser Family Foundation.
After that, your insurer may still require you to log in. you may owe copays or a percentage of the bill, called coinsurance. the average hospital copay is $308 per admission and $281 per day. the average coinsurance rate is 19% of the bill, kff found.
Charges can add up, especially if you have complications. Fortunately, the Affordable Care Act puts a limit on what you’ll pay for in-network services. the legal out-of-pocket maximum is $13,700 for family plans, although your insurer may set an even lower limit.
Your medical claims may also vary based on where you live. fair health found that the average cost of vaginal delivery ranged from $1,614 in mobile, alabama. at $9,279 in the bronx, n.y. You can find typical prices in your area with fair health’s consumer cost lookup tool.
If you’re insured, the best way to figure out what you’ll owe is to check if your health plan has a price transparency tool (77% of large companies now offer one, according to Mercer). that should tell you what you can expect to pay with specific providers in your network.
If you’re uninsured, you’ll have to wait until the next obamacare open enrollment period to buy health coverage or until you have your baby, whichever comes first. Having a child qualifies you for a special open enrollment period, but being pregnant doesn’t.