Having a baby can be one of the greatest joys that a couple could ever experience. While this is a joyous time, it’s important that couples carefully consider the costs when planning for a child.
Many expectant parents do not realize the amount of prenatal care required once the pregnancy is confirmed. Generally, pregnant women can expect to visit their obstetrician at least 14 times through the course of the pregnancy. At an average of over $130 per visit, couples can expect to pay nearly $2,000 in prenatal exams alone.
At times, such as with high risk pregnancies, additional tests may be needed. The cost of these will vary depending on the type of test and how invasive it is. Regardless or perceived risk, doctors usually perform two to three ultrasounds throughout the pregnancy and these can cost several hundred dollars each.
The costs of labor and delivery will vary somewhat depending on a person’s location within the United States. However, it is safe to average these costs between $6,000 and $8,000 for vaginal births with no complications.
With complications come increased costs, as the mother and baby must stay in the hospital for extended periods of time. Emergency cesarean sections can increase this cost to between $10,000 and $15,000 depending on the circumstances. Let’s also not forget that all of this is not necessarily including any additional tests that may need to be performed on the baby, if any complications do arise.
As we can see from the information above, maternity health insurance is something that should be in place well before the baby is conceived. Different maternity health insurance plans can work in various ways, so it is important for individuals to ensure that all their questions are answered before they decide on a policy. Some plans have a co-pay and some have a deductible. Having all the answers beforehand is the key to a happy, stress free pregnancy.