For background, I belong to a corporate PPO plan with a $300 individual deductible/$600 family deductible. Keep in mind the numbers below don't include my monthly premiums and my pregnancy did not span multiple years, so I only had to pay the deductibles once. My copay is 10% for hospital stays.
I saw a hospital based CNM and had an uncomplicated (except for meconium) vaginal delivery at a local hospital. I did have an epidural. We also left one day early, but I don't think it made too much of a difference in the final numbers. Also, I didn't include any of the baby's care after the newborn exams in the hospital.
Billed=the base amount billed by the provider. I assume this is what anyone "off the street' (without insurance) would be charged, though I've heard you can negotiate this quite a bit.
Negotiated=The amount the insurance company actually has to pay due to the rates they have negotiated with the provider.
My portion= The amount I was actually responsible for paying
|Prenatal Care/Midwife Fee||$3,900.00||$2,302.16||$230.21|
|Early visit to hospital (not dilated enough)||$473.47||$317.22||$63.44|
|Delivery/Hospital Stay including Epi supplies (Mom)||$7,081.55||$1,948.92||$389.73|
|Delivery/Hospital Stay (Baby)||$1,452.26||$507.00||$41.40|
|Newborn Exam (Possibly for Meconium--unsure)||$326.00||$325.39||$32.53|
That epidural worked out to something like $95/min because I waited until 9cm and turned it off after 45 minutes to push. Granted, I didn't pay that much, but isn't that amazing!? If someone had told me the base cost without telling me an out-of-pocket estimate (I didn't know either), you can bet I would have found a way to push through that pain!