How much does giving birth cost in 2021? | finder.com

Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

How much does giving birth cost?

Compare payment options and costs for giving birth

Top pick: Healthsherpa

Healthsherpa logo
  • Find health insurance savings in 30 seconds
  • Get custom plan recommendations
  • Free access to year-round health insurance experts
Get quotes

If you're a candidate for giving birth, costs vary significantly based on your insurance, where you live and the hospital or doctor you choose. Each procedure is assigned standardized, 5-digit CPT codes that hospitals and insurance companies use for billing purposes. Use the CPT code to compare prices for giving birth before scheduling your appointment.

Average cost for giving birth

If you have health insurance and use an in-network doctor, you can expect to pay $15,675 for giving birth on average. If you don't have insurance or you choose an out-of-network doctor, the cost increases to $28,381.

Average costs are based on the primary cost of giving birth in the 11101 ZIP code and don't factor in insurance costs like copays or deductibles, or additional fees often charged by doctors or hospitals — like medical supplies, facility fees and support services.

CPT code Procedure ZIP used Description In network total costs Out of network total costs
59400 Cost of giving birth 11101 Routine obstetric care for vaginal delivery, including pre-and post-delivery care $15,675 $28,381

Related costs for giving birth

CPT code Primary procedure Description In network cost Out of network cost
01967 Anesthesia Anesthesia for labor during planned vaginal delivery $5,092 $8,402
59400 Hospital (Outpatient) Hospital Outpatient Facility (HOSPF) estimate for procedure code 59400 (in addition to your doctor's fee) $4,580 $9,979
Total primary & related costs $9,672 $18,381

Does health insurance cover giving birth?

Most health insurance policies cover giving birth if it's medically necessary and you've met your deductible and any coinsurance or copays specified in your policy. If you don't have health insurance, you may need to pay the full cost of giving birth out of pocket. The exact amount your insurance pays for giving birth comes down to your plan and the doctor or healthcare facility you're going to. For the most accurate idea of how much you'll pay out of pocket, contact your insurance company before booking giving birth.

Does Medicare cover giving birth?

It depends on your Medicare plan, but generally Medicare covers procedures like giving birth that are considered medically necessary by your doctor.

  • Medicare Part A (Hospital Insurance) covers inpatient care in a hospital or skilled nursing facility following a hospital stay, so it typically won't cover giving birth.
  • Medicare Part B (Medical Insurance) pays for emergency, urgent and outpatient care and some preventative services, which means Medicare likely covers giving birth — but you'll be charged a 20% coinsurance.
  • Medicare Part C (Medicare Advantage) is a comprehensive plan that combines Part A, Part B and often Part D and should pay for a portion of giving birth minus any deductible, copay or coinsurance.
  • Medicare Part D (Prescription Drugs) won't cover giving birth, but it may help to pay for any medication you need as part of your recovery.

What affects the cost of giving birth?

The price you'll pay for giving birth varies based on factors like:

  • Your health insurance plan. Your coinsurance, copay and how much of your deductible you've met affects the amount you pay for giving birth out of pocket, does as whether your doctor or anyone else involved is outside your network.
  • Your location. Where you live dictates which doctors or healthcare facilities you have access to for giving birth. Urban areas are more competitive, which can drive down costs for giving birth compared to rural areas.
  • Your doctor. Your doctor's experience and expertise affects how much they charge for giving birth. And the cost may increase if complications arise during giving birth and your doctor has to call in other medical professionals.
  • Additional fees. Your healthcare provider may charge associated fees that increase the overall cost of giving birth.

How to cut your costs for giving birth

In the leadup to giving birth, confirm your copay, coinsurance and deductible with your insurer so you know how much you'll pay out of pocket.

  • Dip into your HSA, FSA or HRA. These tax-advantaged accounts can help you to cover out-of-pocket costs for giving birth.
  • Ask about financial aid. If you can't afford to pay the average cost of $15,675 with or without insurance, most hospitals and clinics offer financial aid programs that include discounts or interest-free payment plans.
  • Explore outpatient centers. Outpatient facilities tend to charge less for medical procedures like giving birth, though they're not an option for everyone.
  • Consider medical loans. A medical loan could help pay for anything your health insurance doesn't cover for giving birth, like copays or coinsurance.
  • Compare doctors and hospitals. Lower the price of medical services by comparing in-network hospitals before you schedule giving birth. The Centers for Medicare and Medicaid Services require hospitals and clinics to publish online price lists for common procedures, which may include costs for giving birth.

Bottom line

The price of giving birth is a major consideration for treatment whether you have health insurance or not. The amount you'll pay for giving birth can vary between doctors, hospitals, locations and insurance plans, which is why it's worth comparing hospital prices.

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site