FAQ

How much does a baby delivery cost without insurance

Nearly 3.9 million women in the United States give birth each year, and new births don’t come cheap. Even for those lucky enough to experience healthy pregnancies, hefty expenses for prenatal, delivery, and postpartum care can (and often do) arise. Worst of all, 12% of women of childbearing age have no insurance to cushion the blow of these costs.

if you’re one of them, how much should you expect to pay to give birth without insurance coverage?

Reading: How much does a baby delivery cost without insurance

counting the costs

What you’ll end up paying for childbirth without insurance largely depends on the state you live in, the cost of living, and the type of delivery: vaginal or C-section. the average cost of having a baby without complications ranges from almost $5,000 to $11,000 for a vaginal delivery. this could exceed $30,000 if you include care provided before and after pregnancy, such as checkups and tests.

Women are increasingly likely to have a more expensive C-section. Today, pregnant women undergo C-sections 500 times more often than women did in the 1970s, and C-sections cost between $7,500 and $14,500, nearly 150% more than vaginal deliveries on average. checkups, tests, and complications will only add to these numbers.

Although the exact amounts tend to differ by location, the cost of not having health insurance can almost double the out-of-pocket costs of having a baby. hospitals often charge uninsured patients much more than they charge those covered by public and private plans. Women in Alabama see the lowest costs, around $4,884 for a vaginal delivery with insurance and $9,013 without insurance. On the other hand, women in Alaska pay about $10,681 to deliver a baby with coverage and $19,775 without insurance.

expenses to expect

From the first appointment with the gynecologist, expectant mothers have an average of seven to 12 prenatal visits. These appointments and tests might include:

  • doctor visits: $90 – $500 per appointment
  • hcg test: $39
  • ultrasound: $280 – $600
  • amniocentesis: $2500
  • blood tests: $39 – $63 each
  • chorionic villus sampling (cvs): $1,300 – $4,800
  • amniocentesis: $1,000 – $7,200
  • After delivery, postpartum care is likely to incur additional costs. New mothers can experience a wide range of serious ailments after giving birth, including infections, cardiovascular conditions, and postpartum depression. insured women spend an average of $3,100 within a year after giving birth; uninsured mothers can expect to spend much more.

    price outside the insurance

    See also: What Is Decreasing Term Insurance? Is It Right for You? – ValuePenguin

    Among uninsured adults, nearly three in four reported being uninsured because they couldn’t afford the cost of coverage. many do not have access to coverage through their employers or are unable to pay their share of the premiums. In 2019, 72.5% of uninsured workers said their employer didn’t offer health benefits.

    Among workers who are offered coverage at their jobs, cost often prevents them from taking advantage of the opportunity. workers’ share of family coverage premiums has increased by 40%, much faster than wage growth.

    in the coverage gap

    Millions of women and their families earn too much for Medicaid, but not enough to get tax credits for marketplace premiums. the dilemma, known as the coverage gap, affects 12% of uninsured women. This problem is especially prevalent in states that have not expanded Medicaid under the Affordable Care Act.

    enigma for immigrants

    Legal immigrants below 400% of the poverty level may qualify for Marketplace tax credits. however, they must have passed the specified period after receiving qualified immigration status. however, undocumented immigrants cannot receive any Medicaid or marketplace coverage.

    coverage can be confusing

    Some uninsured people who qualify for help may not be aware of coverage options. they may find the selection process too complicated and give up getting a plan at all. ACA’s outreach programs are understaffed and in high demand, leading to less accessibility to information for some women.

    are you really covered?

    About 4.2 million women ages 19 to 25 depend on their parents’ health insurance plans. Although you can stay on your parents’ insurance until age 26, regardless of your marital status, you may still find yourself bearing the brunt of your prenatal care expenses. insurance plans from large employers do not have to comply with the provisions of ACA that require insurers to cover pregnant women.

    The law’s essential health benefit provisions only apply to plans offered by companies with fewer than 50 employees and individual health care plans, a small percentage of plans nationwide. Unless required by state law, employers with self-insured health plans are exempt from offering maternity care. college student health plans may cover prenatal and delivery services, but you may need to pay up front and be reimbursed.

    tips for managing maternity care expenses

    See also: Why is life insurance not a good savings plan

    Whether your pregnancy is planned or a surprise, getting your finances in order can ease the stress that the uncertainties of expectation can bring. anticipate potential costs and look for ways to reduce or spread them. Here are some ways to lighten the financial burden of childbirth:

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