Profitt Report: How much will giving birth cost you?

Photo credit: MGN

We know raising kids is a financial commitment but so is the process of delivering a baby. America is most the expensive country to give birth according to the International Federation of Health Plans.

While it’s true your health insurance will likely cover the bulk of the birth, whenever we spend significant time in the health care system, you need to know exactly what is covered and what isn’t.

“It’s not just the delivery, it's what leads up to that and what happens after that precious little bundle of joy is here,” said Mindy McIntosh of McIntosh and Associates in Freeland.

McIntosh walks expecting families through their health insurance options and she said if you are in that stage of life, it’s time to take a look at your health care coverage.

“What are your copays, what are your deductibles, what is co-insurance, do you understand that terminology?” said McIntosh.

These are your out-of-pocket expenses. Here’s a simple break down:

Co-pay – what you’ll pay at the time of care.

Deductible – how much you must pay before your insurance kicks in to cover larger portions of your bills.

Co-insurance – the percentage of a medical charge you pay, with the rest paid by your health insurance plan, after your deductible has been met.

“You could do payment plans, some of the physicians, some of the hospitals allow you to set up a payment plan where in Michigan, a lot of times as long as you're attempting to pay it back, paying $50 a month on it, it keeps you out of collections because you're making an effort and you are paying it down,” McIntosh said.

Next, see if the health providers you’re working for are in your network. In-network means they ae contracted with your health insurance. If they are out-of-network, your health insurance might cover a portion or none. This is all determined by your specific insurance.

MONEY looked at the cost of birth per state. See how Michigan ranks by clicking here.

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