Checklist: How Much Does It Cost to Have a Baby?

It takes moxie and moolah to have a baby. To estimate how much it will cost you, you need to find out what's covered on your insurance policy and what's not.
LiliGraphie/shutterstock.com

___ Do I have maternity benefits?

___ Do I have to pay a deductible, and if so, how much?

___ Is there a limit, or cap, on total coverage?

___ What services or conditions are not covered?

___ Are medications covered?

___ Does the policy cover the doctor or midwife I want to use?

___ Which tests are covered by the plan -- and how many? Do I need to get any preauthorizations?

___ What's covered in a high-risk pregnancy? Is a Cesarean delivery covered?

___ What kind of hospital accommodations can I expect?

___ Are education or childbirth classes covered?

___ What procedures do I need to follow before entering the hospital?

___ Am I responsible for filing or submitting any claims?

___ Is an epidural or other forms of anesthesia covered during my hospital stay?

___ How long can I stay in the hospital? What about the baby?

___ Does payment or reimbursement go to the doctor or me?

___ Will I be charged a deductible twice if my pregnancy extends into a new year?

___ How do I add the newborn baby to our policy?

Excerpted from the AmericanBaby.com Ages & Stages weekly prenatal newsletter, Week 9.

Originally published on AmericanBaby.com, August 2005.

American Baby

Comments

Be the first to comment!



Parents may receive compensation when you click through and purchase from links contained on this website.