For many people, the decision to have a child is made up of many smaller decisions. These smaller decisions can include everything from when to get pregnant, to whether or not to buy a bigger car. And for many, it also includes a decision about Health Insurance Lewes DE. Many couples choose to get health insurance before getting pregnant, because it costs so much to have a child. Did you know that the average cost for prenatal is $2000 without insurance? And that’s just the cost of staying healthy before the baby is born!
On average, an easy vaginal delivery will cost $9,600; a c-section will cost $15,800 on average. These numbers come from government data in 2008 – the average costs would be higher now. But the good news is that Health Insurance In Lewes will cover a large amount of the delivery cost. How much depends on your insurance, but on average insurance will pay for around 90% of the hospital cost. Of course, you’ll have to meet your deductible too, which can be anywhere from a few hundred to a few thousand dollars. It just depends on your insurance plan.
But what if you have insurance, and still can’t afford your part of delivery cost? In this case, you may want to think about applying for government health insurance (Medicaid). If your income is low enough, you’ll qualify for Medicaid health insurance, even if you have other insurance too. If you do qualify, your regular insurance will pay for its part, and Medicaid will pay for the rest. But don’t think of it as “welfare”. Medicaid is there to make sure babies get the best possible start in life, by making sure their moms can afford great medical care.
If you haven’t yet, talk with your Health Insurance Lewes DE provider and find out how much of your prenatal care and delivery they will cover. Then figure out how much you will have to pay for, and figure out how you will pay for it. Whether you save money, or apply for government help, it’s a great idea to know how you will pay for everything before you get pregnant. Once that’s done, you’ll just have to figure out how to pay for all those diapers!