Babies are expensive. Does your pregnancy have to be like this?

About 10,000 babies are born every day in the United States. For many parents, the life-changing experience is welcomed with open arms and, less enthusiastically, with open wallets.

The costs of diapers, bottle feeding, day care and more all add up. Many expenses pile up before a baby is born.

“Prenatal care and delivery are very expensive,” said Jamie Daw, associate professor of health policy and management at the Columbia Mailman School of Public Health.

“It can be difficult to calculate the cost of anything in the U.S. health care system.”

This is especially true during pregnancy, when you want to focus on more important things, like your health and the health of your baby.

Experts say it's important not to forgo recommended care to save money, but if the costs and bureaucracy of the insurance process seem daunting, there are tips you can keep in mind to help you prepare.

First, if you are not yet insured, try to get medical coverage as soon as possible.

You can start researching Medicaid options. Even if you were previously ineligible for Medicaid, you may be eligible while you are pregnant, regardless of immigration status.

“Pregnancy Medicaid is mandatory for all states to offer,” says Daw, “and in fact, nearly half of all births in the U.S. are covered by Medicaid.”

If you qualify, Medicaid will cover virtually all costs associated with prenatal care and delivery. If your income makes you ineligible, there are other options to consider.

“You can get emergency Medicaid that will at least cover the cost of your delivery,” says Daw.

In some states, pregnancy also allows you to sign up for marketplace insurance outside of regular enrollment periods.

Once you're insured, you can avoid unexpected costs by finding an in-network OBGYN, which means your appointments will be covered by your insurance plan.

Making sure your OBGYN is in network is critical, but Daw says there's another important consideration. “You want to make sure that when you see that provider, the hospital they are affiliated with is also in network.”

Once you are insured and have checked whether your doctor and hospital are in a network, you will also want to know what care is and is not covered by your insurance.

“Under the Affordable Care Act, prenatal care is exempt from your deductible and should be covered at no cost to you. This means that there are no co-payments for your prenatal care,” Daw explains.

However, this only applies to doctor visits. Procedures such as blood tests and ultrasounds may not be covered by your plan.

Then there are the costs associated with the birth. These can vary greatly depending on the type of birth and even which hospital you go to.

“I think the average vaginal birth out of pocket costs about $2,600, while the average C-section for someone with private insurance is closer to $4,000.”

With so many variables, it's difficult to predict exactly what prenatal care and delivery will cost.

But most insurers have online tools to help you get an estimate so you have an idea of ​​what to expect. Experts recommend doing your research well in advance of labor so that when labor arrives, you can focus on labor and not worry about the math.

“It's not incredibly transparent,” Daw says. “It unfortunately requires patients to do a little digging, but it's worth spending the time trying to get those answers ahead of time.”

Related Posts

  • Health
  • May 17, 2024
  • 1 views
  • 6 minutes Read
Are you hungrier than usual? Experts say that this may be due to this

If you are hungrier than usual, it may be due to your sleeping habits. Human hunger, experts say, is linked to the circadian rhythm, meaning not getting enough sleep can…

  • Health
  • May 17, 2024
  • 3 views
  • 5 minutes Read
Summer is tick season, but these tips can help you avoid the blood-sucking insects

Tick ​​season is kicking off across the US and experts warn the leeches could be as plentiful as ever. Another mild winter and other favorable factors likely mean the tick…

Leave a Reply

Your email address will not be published. Required fields are marked *

You Missed

Kanye West's abandoned $2.2 million Calabasas Ranch is falling into disrepair

  • May 18, 2024
Kanye West's abandoned $2.2 million Calabasas Ranch is falling into disrepair

Winners and Losers of the 2024 NFL Schedule: Caleb Williams Has a Chance to Thrive; Jets face treacherous slate

  • May 18, 2024
Winners and Losers of the 2024 NFL Schedule: Caleb Williams Has a Chance to Thrive;  Jets face treacherous slate

Get Nike running sneakers for just $34 during this huge summer sale

  • May 18, 2024
Get Nike running sneakers for just $34 during this huge summer sale

UN experts say South Sudan is close to securing a $13 billion oil-backed loan from a UAE company

  • May 18, 2024
UN experts say South Sudan is close to securing a $13 billion oil-backed loan from a UAE company

“I can no longer in good conscience continue to represent this administration” – Biden's Interior Department staffer abruptly resigns | The Gateway expert

  • May 18, 2024
“I can no longer in good conscience continue to represent this administration” – Biden's Interior Department staffer abruptly resigns |  The Gateway expert

Scottie Scheffler warmed up in his jail cell after shock arrest

  • May 18, 2024
Scottie Scheffler warmed up in his jail cell after shock arrest

New Mexico judge considers whether to dismiss Alec Baldwin 'Rust' shooting case

  • May 18, 2024
New Mexico judge considers whether to dismiss Alec Baldwin 'Rust' shooting case

The Real Jurgen Klopp, part five: The manager who made Liverpool believe again

  • May 18, 2024
The Real Jurgen Klopp, part five: The manager who made Liverpool believe again

IRS whistleblowers ask judge to dismiss Hunter Biden's lawsuit against the tax authorities

  • May 18, 2024
IRS whistleblowers ask judge to dismiss Hunter Biden's lawsuit against the tax authorities

Man suspected of beating Steve Buscemi arrested at New York homeless shelter

  • May 17, 2024
Man suspected of beating Steve Buscemi arrested at New York homeless shelter

Nathan Wade's estranged wife says he has failed to pay spousal support since resigning from Fani Willis' office

  • May 17, 2024
Nathan Wade's estranged wife says he has failed to pay spousal support since resigning from Fani Willis' office