Health costs and insurance

Ultrasound

Not all health plans are created equal.

When selecting among employers, consider the following likely costs of pregnancy.

PreDelivery Chart.png

Pre-delivery costs

with insurance

Between $0 and $5,350.00

Out-of-pocket costs depend on insurance coverage.

Considerations include:

  • Deductible: The higher the deductible, the higher the out-of-pocket costs. 

  • Co-Pay Obligations: The higher the co-pay per procedure, the higher the out-of-pocket costs.

  • Out of Pocket Maximums

  • Pre-Authorization Requirements

  • Pre-Existing Condition Limitations: Health plans CANNOT deny coverage due to pregnancy, with very few exceptions.

  • Complications: Complications will necessarily increase the cost of pre-delivery care.

Maternity Clothing Costs: $464.25

Cost / Unit

$29.99

$34.99

$12.99

$24.99

$24.99

$25.00

$8.00

$23.79

$29.99

Est. Units

2

2

4

2

1

2

7

3

1

Cost

$59.98

$69.98

$51.96

$49.98

$24.99

$50.00

$56.00

$71.37

$29.99

delivery costs

with insurance

National Averages: $1,905.00

Vaginal: $1,875.00                                    C-Section: 1,962.00

Out-of-pocket costs depend on insurance coverage.

In addition to the considerations set forth above for Pre-Delivery Costs, considerations for Delivery Costs include:

  • In Network versus Out of Network: Choice of an in-network doctor does not guarantee an in-network hospital or in-network anesthesiologist.

  • Costs Vary By State: $974 in Michigan to $2,685 in Nebraska

  • Costs Vary By Metro Area: $2,705 in Asheville, NC to $1,353 in Durham-Chapel Hill, NC.

  • Complications: Complications during delivery will necessarily increase the cost.

  • Newborn Care: These average costs only include maternal care through delivery. 

Sources: Healthcare Cost Institute