Cost For Baby Delivery

the cost for baby delivery is about $500 even with a health insurance

cost for birth without health insurance

Your birth costs, including the cost of a C-section, are all dependent on your insurance plan. If you’re covered by an insurance plan, it’s likely that the hospital will be glad to accept your coverage and pay for most of your delivery costs. If not, there are options available to help you pay for everything from prenatal care to labor and delivery services at home or in the hospital.

cost for birth with health insurance

The cost of giving birth with health insurance varies based on the type of delivery you choose.

  • Hospital-based deliveries are covered under most health plans. The average cost for a hospital birth is $10,000 to $15,000 in the United States, according to the American Pregnancy Association (APA). However, bills can vary widely depending on where you live and what kind of insurance you have.
  • Home births are generally not covered by insurance companies because they’re not considered “medically necessary,” says Dr. Elizabeth Thoman of Physicians for Reproductive Health. If your insurer does cover home births or other out-of-hospital deliveries (which are rare), expect costs to be significantly higher than those for hospital labors: In some cases it can add up to more than $50,000!

cost of hospital delivery

The average cost for baby delivery is about $500 even with a health insurance. If you don’t have any insurance, it can be up to $1,000.

This price includes:

  • The doctor’s fee
  • Labor and delivery room costs (including doctors’ fees and hospital charges)

cost of home birth delivery

The cost of home birth delivery is $1,500

The cost of home birth delivery is $2,500

The cost of home birth delivery is $3,500

the cost for baby delivery is about $500 even with a health insurance

The cost for a baby delivery is about $500 for an insurance-covered hospital birth. This includes the cost of the hospital and anesthesiologist, but does not include the doctor’s fees. If you have a health insurance plan, your share will be less than this amount because your insurer pays part of the bill.

For example, if you’re covered by a PPO plan with employer-based coverage and need to go to the emergency room or urgent care center before receiving prenatal care at an OB/GYN office or other health facility, your copayment may be as high as $55 per visit (and even higher when visiting specialists). If multiple visits are required before pregnancy care begins or between visits while pregnant—for instance due to sickness—your out-of-pocket expenses could add up quickly!


The cost of birth is not cheap, but it is a necessary expense. The average cost for a normal delivery with health insurance is around $3,200, which does not include the cost of prenatal care or labor before baby comes into the world. If you don’t have insurance, then you can expect to pay more than double this amount because you will have to pay out-of-pocket expenses until your coverage kicks in six weeks after delivery day.

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