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Planning or Expecting a Baby? Ask Your Insurer These Questions Now.


The cost of having a baby can be over $20,000. To put it into perspective that’s about one year of tuition from a public university.

While we recognize health insurance and medical care is expensive, not having insurance can be devastating. Health insurance reduces the financial burden because of the insurer’s bargaining power with medical providers. In addition to these lower charges, after a member’s deductibles and co-pays are met, the insurer picks up most of the remaining charges. Here’s a detailed example.

YOUR MEDICAL CARE ROUTINE DURING PREGNANCY

During your pregnancy, there are doctors’ visits where you will need to pay deductibles, co-pays and out of pocket costs. It can get a little overwhelming. To help make sense of it all, we asked one of our Medical Directors, Kelly Hill, MD, to weigh in.

FIRST TRIMESTER – MONTHS 1-3

During your first trimester, common procedures may include monthly prenatal visits, lab work, ultrasounds, and any additional testing as needed (genetic testing, invasive testing for high-risk pregnancies).