Health costs and insurance
Not all health plans are created equal.
When selecting among employers, consider the following likely costs of pregnancy:
Sources: QuoteWizard, ValuePenguin, nerdwallet, HealthCareInsider
Pre-delivery costs
with insurance
Between $0 and $5,350.00
​
Out-of-pocket costs depend on insurance coverage.
Considerations include:
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Deductible: The higher the deductible, the higher the out-of-pocket costs.
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Co-Pay Obligations: The higher the co-pay per procedure, the higher the out-of-pocket costs.
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Out of Pocket Maximums
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Pre-Authorization Requirements
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Pre-Existing Condition Limitations: Health plans CANNOT deny coverage due to pregnancy, with very few exceptions.
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Complications: Complications will necessarily increase the cost of pre-delivery care.
Maternity Clothing Costs: $464.25
Clothing Article
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
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​
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delivery costs
with insurance
​
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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:
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In Network versus Out of Network: Choice of an in-network doctor does not guarantee an in-network hospital or in-network anesthesiologist.
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Costs Vary By State: $974 in Michigan to $2,685 in Nebraska
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Costs Vary By Metro Area: $2,705 in Asheville, NC to $1,353 in Durham-Chapel Hill, NC.
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Complications: Complications during delivery will necessarily increase the cost.
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Newborn Care: These average costs only include maternal care through delivery.
Sources: Healthcare Cost Institute