What It Costs to Have a Baby
The expenses you’ll face when you have your first baby, and tips for spending wisely on your newborn.
Hospital Expenses continued...
Medicaid or group private insurance plans, however, cover almost all pregnancy-related health care costs.
"It's important to be aware that these numbers reflect the amount a hospital will charge for these services, rather than the actual cost," says Anne Elixhauser, PhD, senior research scientist at the Agency for Healthcare Research and Quality. "The actual amount of what it costs the hospital to perform the service is about 30% of what's charged."
For someone facing out-of-pocket costs, this is an important negotiating tool.
"Ask and negotiate with a hospital to pay a discounted rate," Sakala says. "Since what is being charged is significantly higher than the actual cost, you have some room to potentially save."
The Bottom Line
Here's a cheat sheet of some of the approximate costs -- or ranges, depending on your insurance situation -- you'll face when you decide it's time to have a baby:
- Prenatal care: $0-$2,000
- Prenatal vitamin: $15 for a 30-day supply
- Maternity clothes: Free, if shared
- Crib: $200
- Wipes: $10 for a box of 400
- Diapers: $40 for a box of 250
- Monitor: $25
- Changing table and pad: $125
- Baby clothes: Free, if shared
- Car seat: $125
Childbirth classes: $50-$200 per class
- Hospital costs: $0-$15,000