The Cost Of Having A Baby

It costs a lot of money to have a baby, no matter where you live in the United States. Costs vary depending on how long you stay in the hospital, what type of anesthesia you have, whether you or your baby have complications and where you live.

At your first prenatal visit, ask about the fees for prenatal care, including delivery. Nearly every medical office employs someone who deals with insurance questions; he or she may know about things you haven't considered. Don't be embarrassed or afraid to ask questions about the financial side of your pregnancy. Every doctor expects it.

You may also need to check with the hospital and your insurance company. When you communicate with an insurance company, have a list of questions ready. Write down the answers so you can refer to them later, especially if you need to discuss them with your doctor.
Often the insurance person in your doctor's office knows the answers to these questions or can help you get answers. The discussion of insurance, beginning on page 25, includes a list of questions to ask.

Costs in Canada
The Canadian healthcare system is very different from the healthcare system in the United States. Canadians pay a health care premium on a monthly basis, and pregnancy costs vary depending on the province you live in. The doctor who delivers your baby is paid by the government, not you.