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Business financial make money capital trading My son’s birth cost over $22,000 because of complications. Here’s every dollar on our bill.


Business financial make money capital trading My son’s birth cost over $22,000 because of complications. Here’s every dollar on our bill.

I planned to give birth to my second son at a birth center in Minneapolis, but when my blood pressure skyrocketed a week before my due date, I had to be induced in the hospital.With hospital fees plus the cost of my midwife (who delivered my baby), the price of the birth was over $22,000.Thanks…

Business  financial  make money  capital  trading My son’s birth cost over $22,000 because of complications. Here’s every dollar on our bill.

Business financial make money capital trading

A week before my son’s due date, I woke up and looked down at my feet — they were about twice their usual size. A lightbulb went off in my mind — I knew swelling was a sign of water retention, and that I needed to call my midwife right away. 

This was my second pregnancy, and for both I had seen midwives and planned to give birth in a birth center across the street from a hospital in Minneapolis. 

My midwife confirmed that my blood pressure had skyrocketed and that I was at risk for a condition called pre-eclampsia, which can be risky for moms and babies. So, a week before my due date, I went to the hospital for an induced delivery. 

Business financial make money capital trading The cost of giving birth in Minneapolis

Because I was in the hospital for several days between being induced and finally going home with my son, this birth would end up being more costly than we’d planned. We didn’t necessarily have a budget for how much we could spend, but we knew our insurance would cover a good portion of it. 

Unfortunately, it was February, so our deductible had just reset for the year. (On the positive side, we met the deductible right off the bat, so all my son’s pediatrician visits and my follow-ups were free.)

Nurse consult: $972.40

When I found out I had high blood pressure during my initial appointment at the birth center, my midwife sent me across the street to the hospital for monitoring. That one-hour trip for a consult with a nurse cost $972.40, but it was all taken care of by insurance. 

Monitoring and hospital care: $5,894.15

Things got more expensive when I was admitted to the hospital the next day for a few reasons: Because I had technically “transferred” from the birth center after I became high risk, I was receiving care from both my midwife, who was my primary provider, and the hospital nurses. 

The induction also took a lot longer than planned, which meant I stayed overnight in the hospital two nights total before my labor even started. 

My blood pressure stayed stable when they were monitoring me, so nobody was in a huge rush, and emergency surgery wasn’t necessary. 

But all that monitoring (of my vitals and the baby’s heartbeat) added up: The first two nights in the hospital cost $5,894.15, of which we paid $1,178.83 out of pocket. 

This included the induction (basically an IV drip of synthetic hormones and monitoring), two nights in the hospital, and the actual birth.

Delivery by midwife: $4,745

Since my midwife delivered the baby, we also got a separate bill from the birth center for $4,745, of which we owed $603.16 out of pocket. 

The birth went as smoothly as I could have imagined, apart from some excessive post-delivery bleeding. My midwife ended up calling the OB on call to help stop my bleeding, which I’m sure brought additional cost into the hospital charges. 

Postpartum care: $10,606.10

Once I was stable, I was transferred to the postpartum unit, where both my son and I stayed two nights receiving care from the hospital nurses and one doctor.

That was the most expensive part, probably because now there were two humans getting medical care. The bill was $10,606.10, but we were only responsible for $970.85. 

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In total, my birth cost $22,217.65, but because my husband’s employer provides great insurance for our family, we only had to pay $2,800, just under 13% of the total cost. 

The total we paid would have been cheaper if I hadn’t had any complications — I could have delivered in the birth center without the hospital staff, and I would have gone home earlier (as is often routine when you don’t deliver in the hospital). 

But my experience having a baby also could have been far more expensive. If I’d had a cesarean section, epidural anesthesia, or any complications with the baby’s health post-delivery that required a NICU stay, we likely would have had thousands of dollars more to pay. 

No matter how it goes or what comes up, having a baby is a big financial responsibility. But you can’t put a price tag on a healthy family.

When I think back to my pregnancy and birth, I don’t remember dollar signs or stacks of bills. I just remember holding my son in my arms for the first time, feeling profoundly thankful for his health and mine.

Planning to start a family? A financial adviser can help you get your finances in order. Use SmartAsset’s free tool to find a qualified professional in your area »

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