At the time, I called every hospital and doctor's office in the area to see if I could get an idea of price. That was a lot more difficult than it should have been -- as it seems that most hospitals have no idea. After a lot of digging, my calculation was that it would cost $8,000 out of pocket. This was also with the assumption that we would carry medical insurance on my wife (but not maternity) so any complications would be covered.
We had a relatively uneventful birth with no complications. After tallying all the bills, it turns out that was a pretty accurate estimate. Here is what we were billed for. I hope this is helpful to some of you out there who are in the same boat.
The first line is the "fake" price you see on the bill. I hope that no one really pays this.
The second line is the insurance negotiated price. This is what insurance uses to figure your co-pay.
The third line is the cash price. This is a 50% discount on the retail price -- and oddly enough -- also cheaper than the insurance negotiated rate.
Location: Raleigh/Durham, NC, USA
|Sum - Retail||$1,404||$9,223||$237||$3,677||$80||$2,874||$17,495|
|Sum - Insurance Negotiated Rate||$1,123||$5,979||$92||$2,157||$60||$2,051||$11,463|
|Sum - Cash 50%||$702||$4,612||$119||$1,839||$40||$1,437||$8,748|