How Much Does It Cost to Have a Baby without Insurance

How much does it cost to have a baby without insurance? This question is sometimes hard to answer because it depends on many factors. The very first thing you are told when you go to a doctor is that every woman is different, therefore every pregnancy is different. For those of you who are self-employed and thus without medical insurance, this practically means – more money to spend. We know this may sound strange, but it is sometimes difficult to understand how our grandparents managed to deliver a baby anyway.

How Much Does It Cost to Have a Baby?

♦ Nowadays, if you want to deliver a healthy baby, parental care means that you should have at least 14 doctor visits. Of course, you know what that means- money. It is as if baby won’t go out if you don’t pay your doctor frequently enough. Today, if you want to have a baby, you have to make a plan, much like a business plan.

♦ You should consider your monthly income, location, unexpected expenses etc. Location is very important for your wallet. If you live in countryside, doctor visits cost less than in the city. In addition, ultrasound can cost even five times less than in the city.

High-risk Pregnancy

♦ This means that you have the chances to have a miscarriage, and therefore you should take some extra medicine, should have more visits to the doctor etc. We know there are some financial help programs, but to get these, you have to fulfill various conditions. When you put it on the paper, total cost of parental care can go up to $15,000.

Costs of Some Medical Treatments

• Doctor appointment – around $300

• Ultrasound – around $160

• CBC (complete blood test) – around $40

• Many various tests – each one costs around $50

• Epidural anesthesia – at least $1000 (if you are lucky)

♦ Due to the frequency of these treatments you should multiply every cost by 10 at least. Besides, there are many other “hidden” expenses, so the total amount is constantly growing. And one more thing: if your pregnancy doesn’t turn out to be regular and you have to undergo cesarean section procedure, you have to know that cost of this operation can be high, depending on the hospital.

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