How can I hold a babe-in-arms if I can't afford the $20,000 to income for the pregnancy?
My husband and I want to have our second baby.
I have insurance with the first, but I no longer work for the company that provided my health supervision. We have no health insurance very soon. Last night we decided we want to enjoy another baby. We are both excited. This morning, I started doing a little research to see how much it would cost to own the baby.
From what I can see, it will be about $20,000. And since I own no insurance, I will be expected to pay all expenses up front. What can I do? I don't know if I can qualify for Medicaid. There are just a few doctors in my town, 3 that are private insurance doctors, and the rest are Medicaid doctors.
Should I just not own a baby? I didn't realize health safekeeping was so outrageous! Someone give me some tips on how to do this intelligently! Thanks!
DO you qualify for medicaid? Many pregnant women do. Check into that, and honourable luck ttc!
I feel it great that you wish to expand your family. I would individually wait until your husband can add you to his insurance or you could draw from your own. I would not rely on Medicaid because you are married, it is unlikey you would qualify unfortunately.
Good luck and best wishes to you and your family.
Raising the child will cost even more. You should know that since you already have a child. Just wait until subsequently. Personally, I wouldn't opt to have a baby right immediately while times are so hard and money is tight.
You should both obtain insurance regardless of whether you want to own another baby. Go to an independent agent and get some quotes for individual policies. No, it is not cheap, but neither are "full retail" medical bills.
Answers: Wow, why do some relatives even bother to answer questions?
$20,000 is not a realistic number. It is more close to $5,000 for a vaginal birth. I am not really sure about C section.
If you call in the hospital in advance they will hand over you a lower price as long as you make monthly payments leading up to the birth. I have a client do this in Virginia Beach and the hospital charge was reduced from $5,000 to $3,500. This can come and go greatly depending on where you live.
You can also use a midwife instead of a hospital.
http://iml.jou.ufl.edu/projects/Spring20...
The Maternity Card offered by AHCO is a discount card. It cost about $300 and they guarantee if you don't set free at least $300 they will give you your money pay for and $100.
http://client.ahcoagent.com/22328/matern...
If you do end up with considerable medical bills you can use a medical claim review and settlement organization. If you visit MyMedicalcontrol.com they will try and negotiate a lower price for you. If they succeed you will repay them 30% of what they saved you, if they are not able to bring you a better price you are not charged anything.
Lastly you could purchase a high deductible health plan, read out $5,000. Even though you would be responsible for the first $5,000 of medical bills. These bills would still be negotiated by the insurance company and this would save you thousands vs. not have insurance. If you couple this with a Health Savings Account the money you spend on medical care would be export tax free and could be written off your income tax a moment ago like an IRA contribution. This type of plan would cost a 31 year old womanly roughly $98 per month. You have to make sure your condition plan has maternity or the hospital won't discount the cost of services. Depending on the insurance company you must enjoy the policy in effect 90 days up to 9 months prior to conception for the pregnancy to be covered
Insurance would be the best thing you could do, if here were serious complications it could bankrupt your house.
Good Luck, and if you need more info feel free to contact me
Apply for Gov aid. If your income is low enough it will not cost you a dime. On the other foot please stop doing this... my taxes are high enough as it is. Thanks.
I'm so impressed that you are planning ahead. My husband said the cost to raise a child is very soon about $200,000. (yikes!) So the cost of the hospitalization is added to that, and, the $20k is if you don't have complications, right?
I close to your idea of trying to find private insurance, or Medicaid (which you're probably right - you probably can't get)
You will need vigour insurance for the family, anyway, once the baby is born. Can you consider being uninsured for your husband or you or the baby, later 100% of your savings goes to a medical emergency? So you might as economically begin shopping now.
Some states proposition health insurance plans for self-employed families such as yourselves, and for empire who can't get it from their jobs.
If you're set on have the baby without insurance, check into a doula or a home birth beside a different type of medical professional than a full fledged hospital compliment. It is risky if there is a complication, but there is other 911, for emergencies, and most home births are decided upon because the mother is surrounded by good health and the child doesn't have any worry signs.
And please don't scrimp on pre-natal effort and those doctor visits :)
Good luck!
You should not have the baby until any of you two are able to support it medically.
Taxes are high ample as it is.
You could apply for state aid, but I do not suggest this as it will only raise my and everyone elses taxes, but cut you a break, also they will probably explain to you to get a job, unless as expected you're disabled and can't get a job, surrounded by which case you should allready have medicare or medicaid, and should not be have children (assuming you're disabled)
So its best to wait until you have a available job!
The smartest entry to do is not get pregnant. You have weigh your desires against the truth of the situation. Just because you want a baby, it doesn't mean that you should enjoy one, especially if you can't afford it. Why should our tax dollars pay for your kid? There are already so frequent kids who have nothing. Don't variety another one. To do so would be selfish.
Responsible people don't do things they can't afford to do, no matter how much they want to.
On the other paw, one of the people who answered makes an intriguing point, which is why it should cost much at adjectives to have a baby. While it's true that women own babies in parking lots and rice paddies, if anything went wrong and you needed emergency exactness you couldn't afford it.
The answer to your question is that you can have a kid when you can't afford it if you're willing to ruin your credit and go into debt, or you can prefer to not have the baby.
mbrcatz gave you good suggestions just about birthing centers.
If you want a hospital birth, I'd suggest that you contact that specific hospital and discuss negotiating a cash price. Many hospitals enjoy a standard discount for patients who are self-paying. I work for a large hospital system, and we have a department that make financial arrangements with self-paying individuals. You may be surprised to see that the cash price would be smaller quantity than the $20,000 you have in mind. (I've have 2 c-sections, and the total medical bills were under $20K respectively time. Vaginal births are significantly cheaper than c-sections.)
Of course, even with a discount, you're still going to have to retribution *something*. (Unless you qualify for Medicaid or obtain health insurance contained by advance that will cover your pregnancy/birth.) But, as I'm sure you know, that's part of the realness of being a parent...advance planning, making financial sacrifice, etc.
Go ahead and try for medicaid and see if you would qualify. In TX, so long as you make smaller number than 32k for 2 (don't know what it would be for 3) and limited assets, you would qualify.
Several years ago when my wife and I had our first, we tried. Made nearly 600 too much.
Hospital visits can be expensive. Ours without insurance would own ran close to, if not over, 30k. There be a few complications (cord wrapped around her neck, week stay, etc) though.
You could also talk to the hospital almost a payment plan and reduced costs. Part of the reason for the difficult prices to the public is because so many people skimp out of not paying or the insurance company keep them in check on the price for those that have coverage.
I option you luck.
Taxes be damned. Your paying for the services, might as well use them.
Women own been having babies for thousands of years lacking paying for them. Pregnancy costs NOTHING. Childbirth can cost nothing. Heck, every year you hear of babies born in McDonald's parking lot on the bearing to the hospital. Not that I'm recommending that.
Prenatal care costs rather. If you do a homebirth, with a midwife, all your prenatal caution and the birth usually cost LESS than 2,000. A birthing center birth with midwife usually costs LESS than $4,000.
MOST women in the world, do NOT own hospital births, and do NOT pay $20,000. AND, for the record, at hand are 26 countries in the world where it is SAFER to enjoy a baby than the US - most of which do NOT have hospital births as the preferred bearing to deliver.
The hospital where I just give birth, is $7,000 for both mom and baby, two nights within the hospital after birth.
So I have NO idea where on earth you plan on doing it, but I don't know anywhere where it's that much!!
Healthcare is outrageous, because people want to spend $20,000 to enjoy a baby!! Figure, that's more than $2,000 a month!!
If you're definately set on having another child, I'd recommend finding some means of access of getting some health insurance. It may only cost going on for $20k for a healthy birth, but there is other the possibilty of complications. I gave birth to my son at 29 weeks. Then I stayed in the hospital for roughly speaking a week, and my son for 7 weeks. Altogether, we estimated our insurance paid $500,000 - 750,000 or more. I wouldn't wish this on anyone, but you other have to be prepared in covering things don't go as planned.
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