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Baby Insurance Prices Question & Answers

2014 February 9
by Sarah Fields

Daniel asks…

How much does it cost to have a baby at home with only a midwife?

I head it is $10,000 dollars to have a baby in a hospital. Is it really? I have always wanted to have a simple birt. How much would it cost to do it old-fashioned at home with no drugs and only a midwife to assist you? What are the chances of having a non-complicated birth? Thank you!

PS- im not pregnant, i was just wondering. THANKS!

Sarah Fields answers:

Homebirth is considerably less expensive than having birth at the birthing center and hospital. As opposed to hospital birth which costs somewhere between 6000-10,000 dollars for vaginal birth, homebirth costs anywhere between 1500-3000 dollars. This also means that homebirth is also cheaper than giving birth at the birthing center which can cost anywhere between 3500-5000 dollars.

Here is the breakdown of the homebirth cost:

Midwife fee which is usually between 1500-3000 dollars. This fee covers prenatal care, birth, postpartum check up, newborn check up and screening.
Lab test which costs maximum of 100 dollars.
Ultrasound which costs 100-200 dollars. In my case, I did not pay for my ultrasound because my midwife happens to own an ultrasound machine which she rents to somebody to operate it.
Birth supplies.
Water tub rent, unless your midwife provides this for free.

As you can see, the bulk of the homebirth cost lies on midwife fee. Here are what people do to pay for their midwife fee:

Pay in full by cash before the birth if the person does not have any maternity insurance, or if the insurance does not cover her homebirth.

Pay a reduced fee by bartering a service with the midwife. A midwife often reduces the price if somebody is willing to barter something with her which can include things from painting her house and fixing her car to babysit her children. In fact, some moms managed to have free homebirths because they can barter a service or goods which are equivalent to the midwife cost.

Pay through insurance. Some maternity insurance cover homebirth in full, some don’t cover at all, some cover a fraction of it.

I understand that many moms are in the situation where it will be cheaper to have a traditional hospital birth compared to homebirth just because their insurance is going to cover all or the bulk of hospital birth. However, if you are leaning towards a homebirth, I encourage you to find a way to have one. I’m sure if you tell your financial situation to your midwife, she will work out a flexible plan for you or even reduce the midwife fee if you can offer something to her in return.

Having a homebirth is worth it because childbirth is one of the big family event and hence it should be a personal, intimate, peaceful and joyful event. What you will get from a homebirth, in my opinion, is priceless. It gives you an empowerment you will never see again and of course, happy unforgettable memory.

Therefore, homebirth cost should never hinder somebody to have a homebirth.

Paul asks…

How much in doctor and medical bills should I expect to have a baby?

I am not sure if I have insurance right now. Going to get some soon. What would be the best kind? How would I go about in doing so? How much am I going to have to pay? I am 16 and don’t know if that plays a part in getting insurance but I am just curious. Best insurance?
Thanks :)
Would I tell them I am pregnant or not when I go to apply for something like that?

Sarah Fields answers:

If you’re 16 and not covered on your parents insurance, get medicaid. You prob don’th ave any income or very low income, so you should be approved with no problems. They cover all your medical bills for the baby until the baby is one year old, with nothing out of pocket. Also check into WIC. You can get both of these through your local courthouse, The health and human services dept. There’s one big form to fill out, then you’re covered for the entire pregnancy. This will be a life saver. You won’t be able to get on any private insurance without paying an outrageous price because of the pregnancy. Http://

Robert asks…

Why would an insurance company want to strip out birth control from its policies?

Paying for birth control pills is cheap. Paying for pre natal care and live births is expensive. A ‘difficult’ birth costs a lot more. Does the GOP/tea/Fox/Jesus party believe that a health insurance company would even sell a policy like that? If they did the premium would break the bank. Exactly where is the economic logic for this opposition to full health care benefits for women?

Sarah Fields answers:

The problem is Republicans. The Republican agenda for women and children is pure hate.

Santorum: States Should Have the Right to Outlaw Contraception

The last GOP debate saw a surprising amount of consensus on the evils of birth control.

-On Feb. 26, the Republican Montana State Senate outlawed birth control when it approved a “Personhood Amendment” (SB 406) on a 26-24 vote that would outlaw the pill, IUDs, and life-saving surgeries such as for ectopic pregnancy. Even if she needed cancer care while pregnant she could not get it as it would harm the fetus.

-Personhood legislation lost in referendums twice in Colorado and once in Mississippi since 2008, but n at least a dozen states, anti-abortion activists are attempting to place such initiatives on the ballots this year.

-On Feb. 16, the Oklahoma Senate passed a Personhood bill.

-The North Dakota legislature is expected soon to follow suit.

-Virginia passed a bill with the requirement for trans-vaginal probing against the doctor and the patient’s will (rape), and then in the face of overwhelming national opposition downgraded it to still requiring an unnecessary medical procedure against the woman’s will and on her bill.

Here is a list of misogynistic bills introduced by Republicans during just two weeks in February, 2011, showing what they want for women.

1) Rape: Republicans are actually trying to redefine rape to exclude drugging a woman and raping her, or getting her drunk and raping her. After a major backlash, they promised to stop. But they haven’t; the language is still out there.

2) More Rape. A state legislator in Georgia wants to change the legal term for victims of rape, stalking, and domestic violence to “accuser.” But victims of other crimes, like robbery, would remain “victims.” Which means the rapist is not really a criminal.

3) Murder. In South Dakota, Republicans proposed a bill that could make it legal to murder anyone who injures or threatens a fetus, including a doctor who provides abortion care, and the pregnant woman herself. So I guess that makes it OK for a husband or boyfriend to kill his partner if he thinks she might injure the fetus- like in a car accident, or he just doesn’t like her anymore.

4) Starvation. Republicans want to cut nearly a billion dollars of food and other aid to low-income pregnant women, mothers, babies, and kids (WIC). But payments to corporations to not grow food, to keep prices high? Those are still in the budget.

5) Death. In Congress, Republicans have proposed the “Let Women Die Act” — a bill that would let hospitals allow a woman to die rather than perform an abortion necessary to save her life.

6) Ignorance and slavery. Maryland Republicans ended all county money for a low-income kids’ preschool program. Why? No need, they said. Women should really be home with the kids, not out working. They should be slaves to their husbands instead.

7) More ignorance. At the federal level, Republicans want to cut that same program, Head Start, by $1 billion. That means over 200,000 kids could lose their spots in preschool.

8) Poverty and starvation. Two-thirds of the elderly poor are women, and Republicans are taking aim at them too. A spending bill would cut funding for employment services, meals, and housing for senior citizens.

9) Sickness. Congress voted on a Republican amendment to cut all federal funding from Planned Parenthood health centers, one of the most trusted providers of basic health care, cancer screening, and family planning in our country.

10) Barefoot and pregnant. And if that weren’t enough, Republicans are pushing to eliminate all funds for the only federal family planning program. (For humans only – Republican Dan Burton, who supports eliminating funds for family planning has introduced a bill to provide contraception for wild horses. Horses have more value to him than America’s women.)

Mock the link if you like, Republicans, but you can verify all this for yourself using Google.

Well guess what? Eight million more women than men voted in the last presidential election, so cons WILL pay for this at the polls.


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