So, Just How Much Does it Cost to Give Birth Without Insurance?

A lot.

Before I begin, I need to state that this bill probably is not complete. I just received the raw version yesterday, and based on the past 9 months, almost certainly missing charges from other departments at the hospital. I’ll update it as it comes in.

This blog post is probably going to be long. I am going to break down every part of this, and eventually setup a meeting with the hospital to learn more.

So today was the day I’ve been dreading since Lisa showed me the equals sign on the stick. We received the bill for the birth. Without further ado, hurr it is:

Bill 1, Page 1/1 (Baby’s Charges)

Birth Bill for Baby

Birth Bill for Baby (Click to enlarge)

Bill 2, Page 1/2 (Lisa’s Charges)

Birth Bill for Lisa 1/2

Birth Bill for Lisa 1/2 (Click to enlarge)

Bill 2, Page 2/2 (Lisa’s Charges cont.)

Birth Bill for Lisa 2/2

Birth Bill for Lisa 2/2 (Click to enlarge)

So let’s add it all up!

Baby’s charges: $2,407.03
Lisa’s charges: $6,735.88
Grand total: $9,142.91

Officially the largest bill I’ve received for anything in my life. I had to stare at it for a while before it sank in that my debt had increased by nearly 5 figures.

Now let’s break this thing down.

Bill 1, Page 1/1 (Baby’s Charges)

*** 170 NURSERY GENERAL ***
03/24/13 NURSERY; ROOM 130/Y [1] $1459.00

Looks like it’s baby’s rate for the night. Expensive hotel.

*** 300 LABORATORY GENERAL ***
03/25/13 VENIPUNCTURE [1] $13.50

No idea what this is.

*** 301 LABORATORY CHEMISTRY ***
03/24/13 CAPPILARY GASES [1] $149.50
03/25/13 NEWBORN SCREENING [1] $343.28
TOTAL: $492.78

No idea what cappilary gases are. Newborn screening was the look over and physical to make sure all systems were go, or something like that.

*** 305 LAB HEMATOLOGY ***
03/25/13 CBC-A [1] $66.50

No idea.

*** 309 LAB OTHER ***
03/24/13 ACCU CHECK-OB [2] $30

I haven’t a clue.

*** 470 AUDIOLOGY GENERAL ***
03/25/13 NEWBORN HEARING SCREENING [1] $319.25

An expensive way to find out if your baby can hear!

*** 636 DRUG SPEC ID DETAIL CODING ***
03/24/13 PHYTONADIONE 1MG/0.5ML PFS; [1] $16.00
PHYTONADIONE 1 MG/0.5 ML SYR

*** 637 DRUGS SELF ADMINSTRABLE ***
03/24/13 ERYTHROMYCIN 0.5% OPHTH OINT; [1] $10.00
ERYTHROMYCIN 0.5% OPHTH OINT

I’m not 100% what these drug charges were.

GRAND TOTAL: $2407.03

So the little guy end up costing us a pretty decent chunk of change.

Now let’s have a look at Lisa’s bill.

Bill 2, Page 1/2 (Lisa’s Charges)

*** 122 SEMI-PRIVATE OB ***
03/24/13 SEMI PRIV-OB; ROOM 123/SOB [1] $1459.00

Same rate as the baby. So that makes it $2,918 per night… and there wasn’t even a jacuzzi.

*** 250 PHARMACY GENERAL ***
03/25/13 LIDOCAINE 1% MDV 50ML; LIDOCAINE 1% (10MG/ML) MDV 50 ML [1] $9.50

No idea.

*** 258 PHARMACY IV SOLUTIONS ***
03/24/13 LACT RINGERS 1000 CC [1] $80.00

I guess this was her IV bag they setup when Lisa started puking.

*** 272 M/S SUPPLY STERILE SUPPLY ***
03/24/13 AMNISURE KIT [1] $70.00

I know this one! This is the test they use to ensure your water broke.

*** 300 LABORATORY GENERAL ***
03/24/13 VENIPUNCTURE [1] $13.50
03/25/13 VENIPUNCTURE [1] $13.50
TOTAL: $27.00

Maybe putting the IV in? Idk.

*** 302 LABORATORY IMMUNOLOGY ***
03/24/13 BLOOD TYPING ABO [1] $35.91
03/24/13 COOMBS INDIRECT [1] $40.00
TOTAL: $75.91

Haven’t a clue.

*** 305 LAB HEMATOLOGY ***
03/24/13 CBC-A [1] $66.50
03/25/13 HEMOGLOBIN [1] $27.50
TOTAL: $94

Beats me.

*** 307 LAB UROLOGY ***
03/24/13 URINALYSIS [1] $38.80

They had to test her urine when she came in.

*** 636 DRUG SPEC ID DETAILS CODING ***
03/24/13 PITOCIN 10UNIT/ML SDV 1 ML; PITOCIN 10UNIT/ML SDV [2] $30

Now this created a pause for us. Lisa did not request Pitocin, nor did she want it, nor did anyone ask or say they were administering it.

*** 637 DRUGS SELF ADMINSTRABLE ***
03/24/13 SENNA/DOCUSATE 8.6/50 MG TAB [2] $6.00
03/24/13 ZOLPIDEM 5 MG TAB [2] $38.00
03/24/13 ACETAMINOPHEN 325 MG TAB [2] $6.00
03/25/13 ACETAMINOPHEN 325 MG TAB [2] $6.00
03/25/13 SENNA/DOCUSATE 8.6/50 MG TAB [2] $6.00
03/25/13 SENNA/DOCUSATE 8.6/50 MG TAB [-2] -$6.00
03/25/13 ACETAMINOPHEN 325 MG TAB [2] $6.00
TOTAL: $62.00

$6 for 650 MG worth of Tylenol, geez. We could have walked down the hall to the pharmacy and bought an entire bottle for less. The Zolpidem was Ambien was directed by the doctor when Lisa arrived in early labor.

*** 720 LABOR RM/DEL GENERAL ***
03/24/13 DELIVERY/BIRTHING RM [1] $2237.67

Ouch, that’s a big one. The charge for delivering the little guy, I guess.

*** 721 LABOR RM/DEL LABOR ***
03/24/13 LABOR ROOM EACH 1/2 HOUR [22] $2552.00

Okay, now this is one we both just don’t understand. We’re already charged damn near $3k to have the OB room, and now we’re charged extra for every half hour Lisa was in labor? Why did no one tell us this? We went in as soon as we thought we should, but had we known this charge would be here, we would have waited longer. I just really don’t understand this. It’s not like Lisa was given extra attention during this time until the last couple of hours. In fact, for the first 5 hours she laid in bed and the only people in the room was her and I.

So this means we were charged not only $3,000 for the OB unit, but also $232 / hour for every hour Lisa was in labor. And yes, she was “in labor” for just about 11 hours.

GRAND TOTAL: $6735.88

Meh, nothing to say I guess.

I should note that the total amount for everything that I mentioned above doesn’t include the 20% discount that was given to us. I assume we will be receiving it, even though it doesn’t show on these detailed bills. So if that’s the case, it brings the cost down to:

Visit Summary
Charges: $9,142.91
20% Charity Adjustment: -$1,828.58
Grand Total: $7,314.33

So, a bit better, but still going to take a while to pay off.

And if we include the running total from everything we’ve received thus far, we get:

Running Total
Appointments: 17
Charges: $12,638.31
20% Charity Adjustment: -$2,527.66
Grand Total: $10,110.65

So how much does it cost to have a kid without insurance? According to my experience, just about $12,638.31.

Appointment #8: Another Checkup

Appointment number 8 was just another checkup. I guess we need to start going every 2-3 weeks now instead of monthly, so they’re not really monthly checkups anymore.

There is nothing really interesting to mention here. It was just the standard pee in a cup, measurements, and listening to the baby’s heartbeat. The only thing that was different was Lisa had a vaginal swab done to test for any kind of infection.

Still no bill from the last few appointments, so the total isn’t current. Yesterday was our first prenatal class at the hospital but haven’t got around to discussing it yet. Shall do that soon!

Update: 3/5/13

Apparently vagina swabs are more expensive than expected:

01/09/13

306 LAB BACTERIOLOGY/MICR $114.50
ADJ – SELF PAY CHARITY -$22.90
TOTAL: $91.60

Appointment 8 Financial Statement

Appointment 8 Financial Statement (Click to enlarge)

Visit Summary
Charges: $114.50
Adjustments: -$22.90
Amount Due: $91.60

Running Total
Appointments: 8
Charges: $3,418.90
20% Charity Adjustment: -$683.78
Grand Total: $2,735.12

Appointment #7: Checkup, Sugar Water, and Bloody Hemorrhoids

Well hello there beautiful people! Today (December 18th) was appointment #7. Before I get into the actual appointment details, let’s back track about a week. Getting right to the point, Lisa is having painfully bloody shits. Her Google research is leading her to believe she is having hemorrhoid issues. Oh the joys of being pregnant. She was going to ask about it, but chickened out because it was a new doctor we hadn’t had yet… a male doctor. He was really nice but she would rather bring it up with one of the female docs. So for now, she is going to just put up with her bloody diarrhea and me teasing her about it.

The monthly checkup was standard as always. Peeing in a cup, small talk, doppler to listen to the heart beat, & stomach measurements. Like I’ve brought up before, we still have never received a bill for any of these monthly checkups. This seems really weird to me and am worried that one month they’re going to just be tacked onto our statement. Let’s hope not.

Once the checkup was done, Lisa was scheduled for a gestational diabetes screening. Apparently this tests you for diabetes during pregnancy. She had to get blood drawn, drink a very sugary beverage, sit in the lobby for one hour, then have blood drawn again. They told us they would only call us if there was a problem, and since we never received a call, we’re assuming she passed the test.

We haven’t received our bill for this appointment yet, but blood draws aren’t cheap, so I’m going to guess this will cost us at least $500. Let’s hope I’m really high.

We were also told that instead of checkups every 4 weeks, we will now be coming in every 3 weeks. So our next appointment is 1/9/13.

Merry Christmas, yal!

Update: 2/5/13

We received the bill for this, and somehow, someway, it was much lower than expected, as show below:

12/18/12

300 LABORATORY GENERAL $13.50
301 LABORATORY CHEMISTRY $72.00
ADJ – SELF PAY CHARITY -$17.10
TOTAL: $68.40

Appointment 7 Financial Statement

Appointment 7 Financial Statement (Click to enlarge)

So under 70 bucks… not too bad!

Visit Summary
Charges: $85.50
Adjustments: -$17.10
Amount Due: $68.40

Running Total
Appointments: 7
Charges: $3,304.40
20% Charity Adjustment: -$660.88
Grand Total: $2,643.52

Appointment #5, 2nd Ultrasound

We were told we needed to schedule the 18 week ultrasound a few days after our last checkup. So we did. We showed up on 10/25 and it went pretty much just like the first. Lisa, armed with a full bladder, changed into the hospital gown, we engaged in small talk with the ultrasound tech for a few minutes and then were looking at our slightly larger little alien fetus again.

The Fetus is Growing!

The Fetus is Growing! (Click to enlarge)

Everything seemed well and our little guy or girl was growing just fine. Good news. All in all, it took about 20 or so minutes from sit down to walking out.

Surprisingly, the bill for this ultrasound was actually less than the previous. Not sure if the ultrasounds become less complicated the farther along during the pregnancy or whatever, but this one was noticeably less expensive than the 8 week. From our perspective, everything was very familiar, but hey, I won’t complain.

That being said, I have noticed from previous hospital visits throughout the years that they can be slow at sending bills. So this may not be complete, and a month or two from now we could be slammed with another charge. One thing that stands out is we were not billed for “921 OTHER DIAG PERIPHERAL LAB” like we were for the 1st ultrasound. Let’s hope that it wasn’t necessary for this, or something like that.

Here’s our statements for this. For some reason, they didn’t send us the detailed reports like the first couple appointments. Everything was just added to what we already owe.

10/25/12

402 OTH IMAG ULTRASOUND $624.00
ADJ – SELF PAY CHARITY -$124.80
TOTAL: $499.20

Appointment 5 Financial Statement

Appointment 5 Financial Statement (Click to enlarge)

ULTRASOUND OB DETAILED, SINGLE $330.00
HOSPITAL CHARITY ADJ 20% -$66.00
TOTAL: $264.00

Appointment 5 Financial Statement, #2

Appointment 5 Financial Statement, #2 (Click to enlarge)

So we’re about half way through but I imagine everything will become more expensive near the end, especially the actual birth.

12/01/12 Update: We received what we assume is the final bill for this, so the charges are current… I hope.

Visit Summary
Charges: $954.00
Adjustments: -$190.80
Amount Due: $763.20

Running Total
Appointments: 5
Charges: $3,218.90
20% Charity Adjustment: -$643.78
Grand Total: $2,575.12