Cost To have a baby?

Question

How much does it cost to have a baby? Hubby and I do not have insurance and we would rather pay out of pocket then to get gov. help . . . I planned on 10,000 now I am thinking that may not be enough. I don't dare to start ttc until I have all of my ducks in a row. How much money do we need to put into our savings before we are ready for th dr. visits?

thank you so much for the help thus far. 10,000 is what I have budgeted to have a child. I do feel plenty secure that I have enough money to raise our child. I would like to go to a hospital for the first baby and if everything goes well a midwife for our next.

Answer 1

Since the uninsured are charged exorbitant rates to compensate for the outrageously low reimbursement to docs by the insurance companies, it's hard to estimate. 10,000 would be the minimum for the hospital birth, then you've got all the prental visits. At 60 - 120/visit, you are looking at about 10 visits.

BTW, ultrasounds are being shown to cause brain damage, so skip that procedure and expense unless you are high risk.

The most important thing to give your baby is a mother who doesn't separate from her more than 10 hours a week for the first three years - and nurses her on demand for at least two years.

NICHD research for decades, on tens of thousands of kids, has found that such separation is very damaging to a child's emotional well being. Such separation is also damaging to the family unity, to the bonding between parents and child, to the child's social skills, school performance, cognitive abilities, and even physical health.

If getting the gov to help pay for the birth of your child would permit you to actually raise your child, than all of society will be significantly better off, because your family will be stronger and your child will be healthier, happier, smarter, and a better member of society. (In Europe, they are clear on this and pay moms to stay home, pay maternity leaves of years long, have universal health care, etc.)

It is a far better investment of society's money - you do society no favors at all to pay for the birth yourself and then have to keep working in a way that separates you from your child. In fact, you hurt society that way.

Answer 2

$ 10 000 sounds like an OK amount to start but you really should look into some insurance companies and government help because if the baby gets sick you could be looking at a lot of medical bills. I say $ 10 000 should be enough for the first year but eventual it cost some 250 000 to raise a child from birth to age of majority 18. I don't think our parents though like this when they had us and if they did we probably would not have been born. The money will come, time will not. Good luck on your journey !

Answer 3

$10K is a good start. You also have to budget in 9 months' worth of prenatal appointments though. I'm going to make an educated guess of $100 a visit just for the exam. Ultrasounds and lab tests will be more. THEN, you have the cost of delivery. An uncomplicated vaginal delivery is about $12K. You have the bill for the hospital for mom, nursery for the baby, OB-Gyn, whichever Pediatrician examines the baby every day they're in the hospital (average: 2 days), any lab tests, and anesthsology. God forbid there's any problems, and you need a C-section or the baby needs to be in the NICU - the NICU alone will be $30,000!

Answer 4

Some of it probably depends on where you live. I live in KY and my doctor fee is about $2,500.00, it does not include the hospital stay and any other charges from the hospital. There are also lab tests/costs that must be taken into consideration.

Maybe, if you're really serious about it, you could try calling some doctors in your area and call the hospital you will probably have the baby at and ask for some pricing info. Also, find out if they will accept you as a patient if you don't have insurance. You may run into some problems with some doctors who won't see you if you're uninsured.

Answer 5

Too many variables (diet, medical needs, clothing, toys, hygiene, nursing tools, diapers, etc.) to give even a decent estimate. You may as well ask what kind of person it'll grow up to be and what shoe size they'll eventually have at this rate. But if you're the kind of person who has to wait until everything feels absolutely fine (i.e. ducks in a row) you'll NEVER have that child. There's no perfect time to have a kid, though some may be better than others. You should have at least one substantial amount of income, two if you're able and don't mind hiring out for daycare down the road.

Good luck!

Answer 6

In 15 years the average cost of a child is 250000 dollars

Answer 7

My wife and I had a baby 5 1/2 months ago. He is so amazing! Someone once told me (about 1 year ago)...she said, "don't worry, there's never enough money".

What she meant is don't worry about the money, there will be sufficient money!

Answer 8

With insurance it has cost my husband around 2,000 dollars just for the first 6 months. (Thats how old he is). Without insurance your looking at a hell of a lot more. Try, 5,000 to 7,000 in the first 6 months, the birth itself is around 2,000 not including every thing else like room, drugs, food etc.

Answer 9

total just for doc visits, prescriptions and the delivery...we were at $21,000. I had a c-section though. Then you have to think about the baby's visits to the doc and maybe meds for them too. Plus all the diapers, formula and clothes......It's alot!!!!! But if your ready and only when your ready IT"S SO WORTH IT!!! Good luck!

Answer 10

Well before my beautiful Daughter was born I spent soooooo much money I thought Id be ok for a year or two but ..............


IM SO SKINT, theres never enough money (shes 10 months)

Truth is Shes the best thing that has ever happened to me,
its only money.