🤯🤯🤯 Wow... I couldn't imagine paying for a delivery! Ireland has other issues for sure, but oh my god that's an insane number 😦 at least you were prepared Justine! I feel sorry for families who will carry this debt around for the rest of their lives 😔
No one should carry this as debt for the rest of their lives. $6,000 is less than 10% of annual household income in the US (which is about $68K). For those who don’t have the $6000 saved up they make payment plans available for a year or two years or sometimes even three years to pay off the bill with 0% interest. $6K divided over 3 years is only $2K a year. Most of us carry a $1000 smart phone in the pocket at all times. When a husband and wife each have $1000 iPhone it’s the same $2K. When people complain about the cost of birthing in a hospital, it’s like saying that brining a baby into this life somehow has less value than 2 iPhones for mom and dad 🤷🏻♀️
@@cryptociara yup - everyone can afford it. For those who struggle financially, there are government programs that help pay for monthly premium (partially or even in full - based on income). For those in poverty there is Medicaid - completely free for those who are poor.
Look at some countries with free healthcare and they pay 40-50% average taxes in order to cover these services that are used a few times in life span. Average family in USA pays 22% tax. Even with a medical emergency costing you 10% of your salary (like a birth) it’s still overall like a 32% tax rate. We get to keep more money in our pockets.
@@alonacomerfordeasybudgetin3963 I am a nursing assistant and I get paid 19.50$ per hour after years of work. I could not afford to have a baby in the hospital or even to have housing.
Thanks for all the fee breakdown and tips for saving! I've been trying to compare the prices (self-paid) across different hospitals but it just has been so hard to contact the billing department. There is no transparency and clarity on the cost until get they send the bill. It is so insane and absurd how the medical system in the states from my point of view as the medical bill could come will a big surprise and out of budget...
Thank you so much for being transparent with what you paid! I’ve seen other videos about what they were charged, but not what they paid. Hoping to get pregnant next year and trying to plan ahead financially!
My elementary school aged son broke his arm last year (2023) and had surgery in hospital. He went home the same day- no overnights. Four follow up visits. The hospital billed 90k. We have comprehensive insurance (PPO) and they negotiated it down to 40k. Luckily, we only had to pay the copay. Medical billing is a massive negotiation and it goes up every single year.
I had my son via emergency c section and then had complications that put got me admitted for over 10 days. That bill was a doozy. I think we paid about 9k for our portion After that my husband joined the air force reserve and I had a second c section w my daughter. The deductible was $1k and our hospital bill was $60.00. It was a welcomed change!
In Finland, we pay per night. Last time i was in the hospital for 3 nights, and paid 150e, so about 176 dollars. I cant believe it costs so much there! 🤯
Make sure you pay with a check that has a restricted endorsement on back stating that NEGOTIATION of this check constitutes acknowledgement of payment in full of all obligations. Getting the money constitutes their agreement. Then when the check clears download the cleared check image print it out and keep it til hell freezes over.
@@emilywalton4105 Simpler meaning of negotiate meaning deposit the check in the bank. If you are paying less than the bill total, you are giving the money to the vendor on the condition that they are getting paid in full. Any brilliant notions of crossing out the endorsement should immediately void the check. If they won't accept the check as paid in full and they want to preserve their 'rights' to sue you into leaving the country, they need to get back to you and do the other kind of negotiate.
Healthcare in this country desperately needs reform. My second son spent a month in the NICU. They messed up the insurance codes and sent a bill for a quarter of a million dollars! Eventually it got fixed (after getting the doctor involved) but we still paid a lot of money.
WOW! That's exactly why I call the insurance rep and hospital billing department to go over each charge. I kind of wish that insurance would do a courtesy call and say hey, we saw these claims submitted so let's go over them to make sure we got this right. That would be a nice change to the way things are handled.
thank you for sharing this video, I am currently pregnant and don't have insurance. I am planning in buying an insurance to alleviate the stress of hospital bills.
Congratulations first off! Being a mom is the hardest job in the world. It’s ridiculously costly to have all these medical bills. I have 3 kids and we are almost close to paying off our debt, after filing for bankruptcy. Ugh. Lol. Kids are expensive in general 💀
My son was delivered via c-section and stayed in the NICU for 14 days.... it was a six figure number between the two of us 🤯 we were so lucky to have insurance but it took 8 months for the insurance to get sorted out with the two companies (coordination of mine and my husband’s insurance)... it was so crazy. I found out through that process for the copay portion that the hospital and medical providers would allow a payment plan- as long as we paid something every month they weren’t allowed to send us to collections (at least here in California!). Isn’t it just crazy?!? 😵🤯 at first we just paid $50 per month while they sorted it all out. I still can’t believe how much they charge.
Oh my god this is crazy . I am French and here it’s free. I really don’t understand why in USA you have to pay to have a baby. I don’t understand. Usa is Ont of the most rich country in the world . And you are more than 300 millions peoples .
Im Australian. Ive had 4 babies, all in hospital. Two babies had a few issues (one was premature the other was in NICU for a week). Everything was free, including all prenatal care, tests, ultrasounds etc. All supplies in hospital for baby and Mum (such as nappies/diapers, cleaning and bathing supplies, baby blankets, formula and bottles if needed, food for Mum and partner, partner can stay all night if he likes....basically everything). Also included is lactation consultant, physio therapist, post natal in home check ups, vaccinations for bubs and booster vaccinations for parents and we get 3 months paid maternity leave.
It's really weird hearing this as a woman who lives in England we go up to the hospital have a baby then leave when we are okay like the next day if something happens we would prob stay a lil longer but other then that we up and out epidurals and air and gas can be used no cost if we need meds after the birth of u aren't on anything that would pay for the meds u would pay out of pocket
I worked at a hospital when I had my son 19 years ago. I was EXTREMELY fortunate and didn't have to pay for ANYTHING and I had a private birthing suite the entire time. Probably a perk of being an employee. I was also an exclusive pumping mom. We supplemented with formula for the first few weeks until my milk came in but he never fully latched. I pumped and bottle fed for 11 1/2 months. No regrets. It's amazing how much this costs now. INSANE.. I was EXTREMELY fortunate.
Wow! That is some insane numbers! I’m not pregnant, but will for sure appreciate my free healthcare here in Denmark, when that time comes. Can’t believe that that’s the number AFTER insurance! Would you have to pay the full amount, if you don’t have insurance?
Yes. If you do not have insurance you have to pay the full amount. There are programs in some areas that help low income people cover medical costs but those are few and far between. The Affordable Care Act makes it so that insurance companies can’t deny coverage due to pre-existing pregnancy so many uninsured Mommas will crowd source to be able to afford insurance for the last month or so of pregnancy so they can have most of their costs covered and then they will drop the insurance once baby arrives. In most states Medicare will also cover delivery so pregnant women can apply for that under the “categorically needy” clause. It’s essentially emergency short term Medicare. However, ACA insurance and Medicare have to be in place before the delivery in order to cover it.
Thanks for this video! I’ll be going through this process in the not so distant future so it’s definitely helpful! I also have a high deductible health care plan and have an HSA. Are you and Kyle both on your own health insurance plans or are both of you covered under ones insurance plan? Did you need to switch to a family plan right before the birth of your child to make everything was covered? I’m not sure how that works haha.. I know a birth of a child is a qualifying event for being able to switch healthcare plans for most people. Congratulations on baby Quinn!!
Every plan is different and the baby’s expenses can be covered in one of two ways: either under mom in which case all the bills will be under her or under the baby and mom (like in this video). Just contact your plan to find out what the rules are for your specific coverage. Also no need to do anything ahead of time. You will have 30 days (some plans up to 60 days) after the baby comes to add them to your insurance.
We are under Kyle's health insurance through his employer and we added Quinn to the plan after birth. In fact, the hospital was trying to bill for Quinn before I had time to call insurance to add her. I was like ummm I have a newborn baby and calling insurance was not high on my priority list haha. We called insurance and they switched us to a family plan instead of the self + 1.
This is such an interesting topic. I wonder if they will change the cost of delivery services in the United States for 2021. I heard through the grapevine somewhere that we are at an extremely low birthrate.
I have negotiated hospital bills for all 3 of my children’s births, and 3 surgeries that my children have had. None of the hospital are able to reduce the deductible amount in I paid in full. Each one gave me 10-15% off the co-insurance out of pocket amount if I paid in full. Just something to keep in mind that at least in NJ they can’t legally reduce the deductible amount.
This is so foreign to me living in Canada. With the insurance do you pay a monthly premium or do you have a deductible? I heard you say high deductible health insurance, I’m just not sure what that means.
I completely understand the breastfeeding subject. My baby was small too. She kept falling asleep while eating or just not cooperating so i panicked and wanted her to eat so we supplemented. I’m also pumping because I’m still producing and she is also on formula. Hopefully next time it works out but it is what it is. As long as you and her are happy and healthy nothing else matters!
Thanks for sharing! Yep, that's exactly what we're doing too. We had some unicorn moments where she would latch randomly and feed for a bit but it was never enough for a full feeding.
My 1st would never ever breastfeed and i found pumping so much easier with working full time. Did it 15 months! Now pregnant with #2 and will try harder with lactation consultants so i don’t have to wash so much pump stuff & bottles. My 1st with the best insurance plan at work was $4,500 with $4,000 in annual premium. Now we have HDP family plan and will probably spread paying medical bills out over 2 years since birth will be in Oct then we can use funds from 2021-2022 HSA. I think you got off very cheap for HDP family plan!
Wow! That’s crazy. I thankfully never saw the bill and have amazing insurance. Hospital birth plus nicu for a week (plus ambulance ride) and we paid $0! Also in SD.
@@maggiengocco5700 not really. Max out of pocket is just that - the max. There are plans when out of network facilities and providers are not covered, which would be an added cost, but just do research ahead of time to make sure what and who the plan covers to not run into these additional expenses.
Baby delivery is very cheap in Pakistan with specialist gynaecologist and very extraordinary facilities. All this procedure will be done maximum only two to three thousand dollars.
I’m going to give birth in a birth center, unmedicated, vaginal delivery, 4-6 hours stay after birth and the midwife will pay us a visit after 3 days. My package is $4200 😀. However, you will have to pay your own ultrasounds and extra lab test if needed. After knowing how much the hospital cost for birth (and OB visit like $400 each visit???!!) I give the birth center a try since I want to do natural birth anyway. If I have a complication, they would transfer me to the closest hospital, that is when I think an insurance would come real handy. Otherwise, I’m trying to pay cash which turn out lower than most people think 😅
Hi! Thank you so much for this informative video. May I ask what were the terms of your insurance (deductible and out-of-pocket maximum)? I am in Orange County due December 31st. My current insurance deductible is $3,700 and my out-of-pocket maximum is $8,200. I'm trying to figure out if this means I will be charged at least a total of $8,200? I'm so confused. Thank you !
@@emon522 hi, I had a vaginal birth and took epidural. Was in the hospital for 2 days. Our out of pocket bill was six thousand and something, I believe the total before insurance kicked in was like $14k. Congratulations on your baby, I am expecting my second this August ☺️
Justine I appreciate your privacy for your baby. I like that you share parts of motherhood but are not trying to turn into a mommy youtuber. 😏 The cost of raising children is ridiculous in the US.
Thanks! I still want this channel’s focus to be on personal finance, but of course real life - like having a baby is a part of it too. I plan to share parts of motherhood but still keep the focus on finance ☺️
@@DebtFreeMillennials I think you have a great balance going so far. The first year of Babys life is a learning experience but goes by so fast. Finding a balance between career and motherhood is a challenge but we survive. Keep going I appreciate your channel!
I’ve had Americans say that the free health care we get in Australia is communist, no it’s not, governments need to look after their citizens , but apparently not when they make money out of it
Heyy love. OMG!! Are you kidding me?? That's wild how expensive birthing is. I don't have kids for other reasons but good grief. Ask for as much as possible, like you say the most they could say is no or give you a different amount.
Lol Would it be legal to travel to another country like Britain a month before the due date and just have the free baby there?🤔😂 I'm honestly looking into moving to another country bc of cost of birth, maternity leave, childcare costs, vacation/ sick leave and university costs.
Why it’s very expensive in USA and the doctors are incompetent My depression cost almost $15,000 ask Physicians Group of Utah Inc. I was told that these hospitals overcharged me!
I live in San Diego, CA, USA and I have great health insurance through my job. I paid $250 (yes, two hundred and fifty dollars total. No additional bills or hidden fees) to give birth in San Diego in 2019. Epidural, medicated, there for about a week total, meals included, I was induced, and had a high risk pregnancy. It was a vaginal birth, but c-section would have cost just as much. This is the perks of working for a company and not being free lance. Also had 4 months paid maternity leave.
I'm actually surprised your out of pocket wasn't more especially since your health insurance is high deductible. I was planning on paying the out of pocket max.
Americans pay more because of insurance and all the illegals that have babies and don't pay for their delivery. 2- the Healthcare system in other countries aren't that great. A friend of mine, in England, her mom 98, fell. Laid on the ground for 7 hours waiting for an ambulance. Had a heart attack while waiting. Died 2 weeks later.
I am planning to have a baby. I don't have health insurance, what is the best Maternity insurance? I would like to cover prenatal care, delivery and postpartum care. How Much Should I Expect To Pay If I Have Insurance? 🤔
The price is crazy to me, I'm in Canada and it did not cost me anything to give birth. Congrats on the arrival of your baby!
A childbirth woman: Touches a random table.
Hospital: WRITE THAT DOWN !!WRITE THAT DOWN !!WRITE THAT DOWN !!WRITE THAT DOWN !! MONEY MONEY MONEY!!!
🤯🤯🤯 Wow... I couldn't imagine paying for a delivery! Ireland has other issues for sure, but oh my god that's an insane number 😦 at least you were prepared Justine! I feel sorry for families who will carry this debt around for the rest of their lives 😔
No one should carry this as debt for the rest of their lives. $6,000 is less than 10% of annual household income in the US (which is about $68K). For those who don’t have the $6000 saved up they make payment plans available for a year or two years or sometimes even three years to pay off the bill with 0% interest. $6K divided over 3 years is only $2K a year. Most of us carry a $1000 smart phone in the pocket at all times. When a husband and wife each have $1000 iPhone it’s the same $2K. When people complain about the cost of birthing in a hospital, it’s like saying that brining a baby into this life somehow has less value than 2 iPhones for mom and dad 🤷🏻♀️
@@alonacomerfordeasybudgetin3963 but not everyone can afford health insurance right? Or potentially as good a plan as Justine has?
@@cryptociara yup - everyone can afford it. For those who struggle financially, there are government programs that help pay for monthly premium (partially or even in full - based on income). For those in poverty there is Medicaid - completely free for those who are poor.
Look at some countries with free healthcare and they pay 40-50% average taxes in order to cover these services that are used a few times in life span. Average family in USA pays 22% tax. Even with a medical emergency costing you 10% of your salary (like a birth) it’s still overall like a 32% tax rate. We get to keep more money in our pockets.
@@alonacomerfordeasybudgetin3963 I am a nursing assistant and I get paid 19.50$ per hour after years of work. I could not afford to have a baby in the hospital or even to have housing.
Thanks for all the fee breakdown and tips for saving! I've been trying to compare the prices (self-paid) across different hospitals but it just has been so hard to contact the billing department. There is no transparency and clarity on the cost until get they send the bill. It is so insane and absurd how the medical system in the states from my point of view as the medical bill could come will a big surprise and out of budget...
So interesting. We aren’t planning on kids for another 2-3 years but I love information like this to make sure we are prepared when the time comes.
Thank you so much for being transparent with what you paid! I’ve seen other videos about what they were charged, but not what they paid.
Hoping to get pregnant next year and trying to plan ahead financially!
Best of luck with your pregnancy journey and so glad you found this video helpful 🥳
My elementary school aged son broke his arm last year (2023) and had surgery in hospital. He went home the same day- no overnights. Four follow up visits. The hospital billed 90k. We have comprehensive insurance (PPO) and they negotiated it down to 40k. Luckily, we only had to pay the copay. Medical billing is a massive negotiation and it goes up every single year.
I had my son via emergency c section and then had complications that put got me admitted for over 10 days. That bill was a doozy. I think we paid about 9k for our portion After that my husband joined the air force reserve and I had a second c section w my daughter. The deductible was $1k and our hospital bill was $60.00. It was a welcomed change!
This is absolutely insane!! I had my son via an emergency cesarean in Australia FOR FREE
I studied abroad in Australia in uni.... I should have just stayed!
Insurance in the USA is a joke.
In Finland, we pay per night. Last time i was in the hospital for 3 nights, and paid 150e, so about 176 dollars. I cant believe it costs so much there! 🤯
It’s so crazy. We paid $6800 (which is our out of pocket max) for my daughters birth. I did have a c section, which is definitely more expensive 😩😩😩😩
It just baffles me that we have to pay such high costs.
Happy 1st Mother’s Day Justine💐
Thank you SO much!!
Make sure you pay with a check that has a restricted endorsement on back stating that NEGOTIATION of this check constitutes acknowledgement of payment in full of all obligations. Getting the money constitutes their agreement. Then when the check clears download the cleared check image print it out and keep it til hell freezes over.
Do you negotiate the paid amount on the check before writing it or is writing the amount you choose and sending it to them, the negotiation?
@@emilywalton4105 Simpler meaning of negotiate meaning deposit the check in the bank. If you are paying less than the bill total, you are giving the money to the vendor on the condition that they are getting paid in full. Any brilliant notions of crossing out the endorsement should immediately void the check. If they won't accept the check as paid in full and they want to preserve their 'rights' to sue you into leaving the country, they need to get back to you and do the other kind of negotiate.
Love your videos, justine!! This was super interesting!
Healthcare in this country desperately needs reform. My second son spent a month in the NICU. They messed up the insurance codes and sent a bill for a quarter of a million dollars! Eventually it got fixed (after getting the doctor involved) but we still paid a lot of money.
WOW! That's exactly why I call the insurance rep and hospital billing department to go over each charge. I kind of wish that insurance would do a courtesy call and say hey, we saw these claims submitted so let's go over them to make sure we got this right. That would be a nice change to the way things are handled.
thank you for sharing this video, I am currently pregnant and don't have insurance. I am planning in buying an insurance to alleviate the stress of hospital bills.
Congratulations first off! Being a mom is the hardest job in the world. It’s ridiculously costly to have all these medical bills. I have 3 kids and we are almost close to paying off our debt, after filing for bankruptcy. Ugh. Lol. Kids are expensive in general 💀
Solution move to Europe
My son was delivered via c-section and stayed in the NICU for 14 days.... it was a six figure number between the two of us 🤯 we were so lucky to have insurance but it took 8 months for the insurance to get sorted out with the two companies (coordination of mine and my husband’s insurance)... it was so crazy. I found out through that process for the copay portion that the hospital and medical providers would allow a payment plan- as long as we paid something every month they weren’t allowed to send us to collections (at least here in California!). Isn’t it just crazy?!? 😵🤯 at first we just paid $50 per month while they sorted it all out. I still can’t believe how much they charge.
Oh my god this is crazy .
I am French and here it’s free.
I really don’t understand why in USA you have to pay to have a baby. I don’t understand.
Usa is Ont of the most rich country in the world . And you are more than 300 millions peoples .
Im Australian. Ive had 4 babies, all in hospital. Two babies had a few issues (one was premature the other was in NICU for a week). Everything was free, including all prenatal care, tests, ultrasounds etc. All supplies in hospital for baby and Mum (such as nappies/diapers, cleaning and bathing supplies, baby blankets, formula and bottles if needed, food for Mum and partner, partner can stay all night if he likes....basically everything). Also included is lactation consultant, physio therapist, post natal in home check ups, vaccinations for bubs and booster vaccinations for parents and we get 3 months paid maternity leave.
It's really weird hearing this as a woman who lives in England we go up to the hospital have a baby then leave when we are okay like the next day if something happens we would prob stay a lil longer but other then that we up and out epidurals and air and gas can be used no cost if we need meds after the birth of u aren't on anything that would pay for the meds u would pay out of pocket
I worked at a hospital when I had my son 19 years ago. I was EXTREMELY fortunate and didn't have to pay for ANYTHING and I had a private birthing suite the entire time. Probably a perk of being an employee. I was also an exclusive pumping mom. We supplemented with formula for the first few weeks until my milk came in but he never fully latched. I pumped and bottle fed for 11 1/2 months. No regrets. It's amazing how much this costs now. INSANE.. I was EXTREMELY fortunate.
Wow! That is some insane numbers! I’m not pregnant, but will for sure appreciate my free healthcare here in Denmark, when that time comes. Can’t believe that that’s the number AFTER insurance! Would you have to pay the full amount, if you don’t have insurance?
Yes. If you do not have insurance you have to pay the full amount. There are programs in some areas that help low income people cover medical costs but those are few and far between. The Affordable Care Act makes it so that insurance companies can’t deny coverage due to pre-existing pregnancy so many uninsured Mommas will crowd source to be able to afford insurance for the last month or so of pregnancy so they can have most of their costs covered and then they will drop the insurance once baby arrives. In most states Medicare will also cover delivery so pregnant women can apply for that under the “categorically needy” clause. It’s essentially emergency short term Medicare. However, ACA insurance and Medicare have to be in place before the delivery in order to cover it.
My brother was born in the back of my fathers Ford pickup truck, at the side of the road on the way to the hospital, 100% free.
Thanks for this video! I’ll be going through this process in the not so distant future so it’s definitely helpful! I also have a high deductible health care plan and have an HSA. Are you and Kyle both on your own health insurance plans or are both of you covered under ones insurance plan? Did you need to switch to a family plan right before the birth of your child to make everything was covered? I’m not sure how that works haha.. I know a birth of a child is a qualifying event for being able to switch healthcare plans for most people. Congratulations on baby Quinn!!
Every plan is different and the baby’s expenses can be covered in one of two ways: either under mom in which case all the bills will be under her or under the baby and mom (like in this video). Just contact your plan to find out what the rules are for your specific coverage. Also no need to do anything ahead of time. You will have 30 days (some plans up to 60 days) after the baby comes to add them to your insurance.
We are under Kyle's health insurance through his employer and we added Quinn to the plan after birth. In fact, the hospital was trying to bill for Quinn before I had time to call insurance to add her. I was like ummm I have a newborn baby and calling insurance was not high on my priority list haha. We called insurance and they switched us to a family plan instead of the self + 1.
This is such an interesting topic. I wonder if they will change the cost of delivery services in the United States for 2021. I heard through the grapevine somewhere that we are at an extremely low birthrate.
I’m pregnant with #2 and there is a baby boom in my city. Not enough doctors or hospital rooms for birthing.
I have negotiated hospital bills for all 3 of my children’s births, and 3 surgeries that my children have had. None of the hospital are able to reduce the deductible amount in I paid in full. Each one gave me 10-15% off the co-insurance out of pocket amount if I paid in full. Just something to keep in mind that at least in NJ they can’t legally reduce the deductible amount.
This is so foreign to me living in Canada. With the insurance do you pay a monthly premium or do you have a deductible? I heard you say high deductible health insurance, I’m just not sure what that means.
I only got a 10% discount when we paid in full.
I believe I got 10% off my hospital bill by offering to pay in full. That was 4 years ago so things may be different now. 😊
Good to hear! I’ll take anything I can get
I completely understand the breastfeeding subject. My baby was small too. She kept falling asleep while eating or just not cooperating so i panicked and wanted her to eat so we supplemented. I’m also pumping because I’m still producing and she is also on formula. Hopefully next time it works out but it is what it is. As long as you and her are happy and healthy nothing else matters!
Thanks for sharing! Yep, that's exactly what we're doing too. We had some unicorn moments where she would latch randomly and feed for a bit but it was never enough for a full feeding.
My 1st would never ever breastfeed and i found pumping so much easier with working full time. Did it 15 months! Now pregnant with #2 and will try harder with lactation consultants so i don’t have to wash so much pump stuff & bottles. My 1st with the best insurance plan at work was $4,500 with $4,000 in annual premium. Now we have HDP family plan and will probably spread paying medical bills out over 2 years since birth will be in Oct then we can use funds from 2021-2022 HSA. I think you got off very cheap for HDP family plan!
Wow! That’s crazy.
I thankfully never saw the bill and have amazing insurance. Hospital birth plus nicu for a week (plus ambulance ride) and we paid $0! Also in SD.
which insurance policy if you don't mind me asking
My mom paid nothing to give birth twice in Moscow, Russia. And here in the US I'm about to pay HOW MUCH??
Yeah the US is INSANE
Universal healthcare. I wish America would catch up with the rest of the world
Once you hit your max out of pocket you're good for the year right? They pay for everything else? Am I wrong?
You are correct. Even here she is only responsible for $6K, while insurance is taking care of remaining $60K.
It depends on your insurance policy, sometimes there is copay still although you paid out-of-pocket
@@maggiengocco5700 not really. Max out of pocket is just that - the max. There are plans when out of network facilities and providers are not covered, which would be an added cost, but just do research ahead of time to make sure what and who the plan covers to not run into these additional expenses.
ughhh The US hospital bills are so shady 😣
Can someone change their employer provided insurance in the middle of the year in the event of having a baby born?
Baby delivery is very cheap in Pakistan with specialist gynaecologist and very extraordinary facilities.
All this procedure will be done maximum only two to three thousand dollars.
I’m going to give birth in a birth center, unmedicated, vaginal delivery, 4-6 hours stay after birth and the midwife will pay us a visit after 3 days. My package is $4200 😀. However, you will have to pay your own ultrasounds and extra lab test if needed. After knowing how much the hospital cost for birth (and OB visit like $400 each visit???!!) I give the birth center a try since I want to do natural birth anyway. If I have a complication, they would transfer me to the closest hospital, that is when I think an insurance would come real handy. Otherwise, I’m trying to pay cash which turn out lower than most people think 😅
I love that! I also gave birth in a birth center but it was in the hospital. Your setup (and pricing) sounds much better!
Hi! Thank you so much for this informative video. May I ask what were the terms of your insurance (deductible and out-of-pocket maximum)? I am in Orange County due December 31st. My current insurance deductible is $3,700 and my out-of-pocket maximum is $8,200. I'm trying to figure out if this means I will be charged at least a total of $8,200? I'm so confused. Thank you !
What was your experience on deductible and out of pocket? I am having a baby end of May
@@emon522 hi, I had a vaginal birth and took epidural. Was in the hospital for 2 days. Our out of pocket bill was six thousand and something, I believe the total before insurance kicked in was like $14k. Congratulations on your baby, I am expecting my second this August ☺️
Did you get the discount?!
Please keep us updated on your mom life dad life and baby life and let’s meet Quin and toys.
Absolutely! I do a lot more updates on my stories over on Instagram if you want more behind the scenes :)
Omggg that’s wild! I don’t think most people can afford child birth. That’s half of my salary
Justine I appreciate your privacy for your baby. I like that you share parts of motherhood but are not trying to turn into a mommy youtuber. 😏
The cost of raising children is ridiculous in the US.
Thanks! I still want this channel’s focus to be on personal finance, but of course real life - like having a baby is a part of it too. I plan to share parts of motherhood but still keep the focus on finance ☺️
@@DebtFreeMillennials I think you have a great balance going so far. The first year of Babys life is a learning experience but goes by so fast. Finding a balance between career and motherhood is a challenge but we survive. Keep going I appreciate your channel!
Yikes!!! 22 weeks pregnant here, our birth center is completely covered by our insurance. Out of pocket totals would have been about $7000 I believe.
Birth centers are where it's at!! Hope your pregnancy is going well!
Thank you so much! Prayers to you and your sweet new little baby 💕
I’ve had Americans say that the free health care we get in Australia is communist, no it’s not, governments need to look after their citizens , but apparently not when they make money out of it
did you get health insurance from your employer?
Start low then see what they say. This is so ridiculously expensive! I cannot believe the room and board cost is 🤯
Yeah, room and board was insane!!
Heyy love. OMG!! Are you kidding me?? That's wild how expensive birthing is. I don't have kids for other reasons but good grief. Ask for as much as possible, like you say the most they could say is no or give you a different amount.
That’s the plan! Thanks so much for watching!
FREE in australia
Lol Would it be legal to travel to another country like Britain a month before the due date and just have the free baby there?🤔😂 I'm honestly looking into moving to another country bc of cost of birth, maternity leave, childcare costs, vacation/ sick leave and university costs.
It’s insane…. The amount of money hospitals make.
ugh I know
Why it’s very expensive in USA and the doctors are incompetent
My depression cost almost $15,000 ask Physicians Group of Utah Inc.
I was told that these hospitals overcharged me!
I live in San Diego, CA, USA and I have great health insurance through my job. I paid $250 (yes, two hundred and fifty dollars total. No additional bills or hidden fees) to give birth in San Diego in 2019. Epidural, medicated, there for about a week total, meals included, I was induced, and had a high risk pregnancy. It was a vaginal birth, but c-section would have cost just as much. This is the perks of working for a company and not being free lance. Also had 4 months paid maternity leave.
That is amazing!! Hang on to that job and that health insurance plan!
What kind of company do you work for?
In my country it's free
Some people dehydrate their placentas and blend them into smoothies.. seriously... crazy right?
I didn't know you could make them into smoothies.... not my cup of tea lol
Are all states the same. I’m in Texas 😮💨😮💨😮💨 damn that’s so much money
Isn't it just wild how expensive it is?? And that's not even prenatal or postnatal care!
Yeah!! Geez it's crazy expensive. I think the costs are good birth control LOL
I'm actually surprised your out of pocket wasn't more especially since your health insurance is high deductible. I was planning on paying the out of pocket max.
this is insane! In Russia a woman would get a couple of thousand dollars for giving a birth to first or second baby.
WOW! Why do they get paid to have babies?
@@DebtFreeMillennials The government increases population. They try to lure women to have a baby.
@@DebtFreeMillennials I think it's called maternity grant. We also had it in Czechia.
These financial breakdowns should be included in pro-life policies and discussions but alas
Give a heart
Americans pay more because of insurance and all the illegals that have babies and don't pay for their delivery.
2- the Healthcare system in other countries aren't that great. A friend of mine, in England, her mom 98, fell. Laid on the ground for 7 hours waiting for an ambulance. Had a heart attack while waiting. Died 2 weeks later.
I am first
I am planning to have a baby. I don't have health insurance, what is the best Maternity insurance? I would like to cover prenatal care, delivery and postpartum care.
How Much Should I Expect To Pay If I Have Insurance? 🤔