Ever since reading Sarah Wildman's article about getting blindsided by a $22,000 hospital bill for the birth of their child, after they'd been paying $126/month for a carefully researched maternity care rider on their high-deductible, high-copay insurance policy, I've wondered how much people are paying for these babies they're getting.
I mean, I know plenty of people who've spent plenty of money on fertility treatments and adoptions, international adoptions, too, that can take years and tens of thousands of dollars.
But I guess because we've always had pretty solid insurance through work--either mine, or these days, my wife's--I've taken it for granted that having a kid the old-fashioned way is basically cheap-to-free. After reading the responses on Chris's broader, related question, though [Where do you get your insurance, and how much does it cost?, questions which were soon expanded upon by metafilter] I realized I am living in a fantasy world.
Our insurance costs about
$200/mo $300/mo [says the wife]. We don't pay any extra for maternity coverage, and except for a couple of lactation consultant visits after the kid was born, I can't think of a single bill during either pregnancy or delivery [hospital, epidural, no complications] that wasn't covered. So for us, our kids were basically free. At least until they got home.
How about you? And yes, if you live outside the US, you are welcome to complain about your communist birthing expenses as well.