Average Cost of Having A Baby in USA and Canada

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cost of delivering a baby

Do you really want to know how much it costs?

The Wisdom Journal calls it a financial shocks for new parents – the cost of having a baby.

What is average cost of having a baby?

In an article entitled How Much Does Baby Delivery Cost? the author says (of course depending on a million factors) that in the United States those without insurance you can expect to pay $9,000 – $17,000 for a natural birth and $14,000-25,000 for C-section births and complications.   For patients with insurance they say to expect a bill for around $500 – $3,000.  In addition, the baby usually receives a separate bill for between $1,500 – $4,000.

The price can differ significantly also depending on your birthing method.

A birth home (home birth) for example will depend on the fees of a midwife.  This typically starts around $3,500 and increases.

A hypnobirth may be an alternative also.  Check with a local HypnoBirthing Practitioner for the average cost.

A natural child birth could decrease the cost.  In our case the epideral cost about $400.  My wife assures me it was worth every penny.

WOW.  That is a lot of money.  I know those numbers are right because I know several people who have recently had children and their experiences support those numbers.  But, with the rising medical costs, don’t be surprised if those number continue to increase.           

Here are our costs for having a baby: Recetas de comidas rapidas y fáciles de preparar, con ingredientes ecónomicos y baratos Comidas rápidas

  1. In 2005, we had our daughter in the U.S. (my wife is American).  We had ‘good’ insurance that provided 80/20 coverage (in other words, we paid 20% of the total cost)  with a $500 deductible.  Our bill for delivery for mother and baby came to between $3,000 and $3,500.  That was a lot more than we expected.  At the time we didn’t realize the baby would have a separate bill and deductible.
  2. In 2007 we had a son in Canada (I am Canadian).  We had international insurance (because we live in Papua New Guinea).  The billing department said our total cost for a private room would be $1,600 Canadian dollars total, including all fees for mother and baby.  A cesarean section – add another $500.  With insurance we paid $250 for our son.
  3. Here is a little more perspective.  In 2002, some friends in Papua New Guinea had a daughter.  The total bill?   $8 (less than the cost of a head of imported broccoli!).

Anyone want to guess where we decided to have baby number three?  Yes, Canada.  I know having children outside of the US is not an option for everyone, but if it is then take advantage of the opportunity.

This of course begs the question Should I pay extra for maternity insurance coverage?

Once the baby is born factors like the babies health will drastically impact the price.

How much did your maternity bill cost?  Any idea what the cost is in other countries?

Other Great Articles:

  1. 10 Ways To Save When You’re Expecting a Baby
  2. A Low-Cost, Diversified Investment Portfolio with Only Three Funds
  3. Cost of Living Increase | Thriving Without One

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