Everyone talks about how much money it costs to raise a child. Between diapers, new clothes, and college, you’re looking at a long list of expenses. What you don’t hear talked about quite as often is the cost of birth and delivery of a baby. While these costs can vary from family to family, it’s important to start thinking about them sooner rather than later so you can plan for them.
The cost of your delivery will depend on a variety of factors, like whether your delivery had any complications, whether your baby was born on schedule or prematurely, and whether the mother has any pre existing conditions that put her at risk.
On average, patients with insurance will spend between $500 to $3,000 out of pocket. This price tag covers the services of the OBGYN and pediatrician, cost of the anesthesiologist and epidural (if you use these), the cost of your stay in the hospital, plus nursery and lab fees, and any medications you take or medical supplies used during your stay. Patients without insurance could spend between $9,000 to $17,000 before they leave the hospital.
Many of these expenses will fluctuate depending on your specific situation. With any delivery, parents will be able to make decisions about some of these expenses, but other expenses can’t be planned for. For instance, you can’t always know ahead of time that you’ll experience some sort of complication that may extend your hospital stay, but you might be able to plan ahead of time to either have or not have an epidural.
Type of Delivery
The cost of delivery can increase dramatically depending on the type of delivery you have. Vaginal births with no complications have the lowest cost, at about $9,600. Once you add in complications or the need for a c-section, the hospital will need to use more of its resources to ensure your delivery runs smoothly and safely, so the expenses will increase.
Because C-sections require anesthesia and a longer hospital stay, they generally cost about $10,000 to $25,000. The exact costs of your delivery will also depend on the state you live in, and whether you experience complications. Vaginal deliveries can costs between $9,000 and $17,000. Costs veer to the higher side when complications or long hospital stay come into play.
Mom and Baby’s Health
The cost of birth and delivery of a baby can also increase if the health of the mother or child is in jeopardy, or if there are any health conditions involved. If the mother has a condition, such as diabetes, that needs to be monitored during her delivery, that can increase the cost. Other common complications, including premature birth, difficulty breathing, or jaundice can also increase the cost of the birth and delivery.
Hospital costs can add up quickly, so it’s important that you start planning for them as soon as you learn you’re pregnant, or while you’re planning to become pregnant. If you start planning for expenses early, you can coordinate with your insurance company to get the most coverage possible. You can also look into assistance programs in your state, if insurance coverage is not a financially viable option.
While covering the high costs of birth and delivery can be stressful, just remember that you do have options! If you’re ever confused or concerned about these costs, you can discuss them with your OBGYN. Your doctor will have a lot of experience in this department, having helped many parents deliver children. You can’t plan for every expense, but with advice from the doctors at Contemporary Women’s Care, you can prepare for what to expect.