Thinking about starting a family? Then you may need a pregnancy calculator to figure out the cost of the pregnancy.
According to several studies, many fertile women delay getting pregnant because of the high costs that come with having a baby. And it’s not only the money needed to raise the child. Prenatal care, childbirth and all the stuff a pregnant mom and future baby need have an important impact on your budget.
Healthcare insurance usually covers prenatal care and childbirth. Yet, if you’re not lucky enough to have an insurance, how much can you expect to pay? Use the figures below to create your manual pregnancy calculator.
The most important thing when a baby is on the way is healthcare. Yours and the baby’s. Prenatal care is not excessively expensive but if you’re not insured, you can expect to pay around $2,000 for it. This figure includes prenatal vitamins, monthly checks, and at least three ultrasound exams to monitor the fetal development.
If you decide to see a private practitioner, each visit can amount to about $100-$150. Ultrasounds are usually included in this price and some blood tests can also be covered by your insurance.
You should also know that if your employer has at least 15 full-time employees, your health insurance must include full pregnancy coverage.
Another thing to account for is prenatal vitamins. These include mostly folic acid which is essential for the fetal development. If you’re trying to procreate, you should start taking folic acid before getting pregnant, as the lack of it can have a negative impact on the baby from the earliest stages of pregnancy. Folic acid costs about $10 per month and the community of obstetricians suggest all women of fertile age should take it because over 50% of pregnancies come by surprise.
Talking about prenatal care, you should also attend prenatal classes that prepare you for labor and delivery. These classes can cost anywhere from $50 to $300 and it’s up to you to choose the professionals you like best.
If prenatal care is more or less inexpensive, bringing a baby into the world is a whole different story. If you’re uninsured, an uncomplicated vaginal birth can cost anywhere between $3,000 and $30,000, depending on the hospital or caring facility.
Home births tend to cost less and professional doulas usually don’t charge more than $3,000 to attend the pregnant women.
While giving birth in a hospital is costlier, it’s usually possible to reach a payment agreement plan with most facilities. This gives you the possibility to pay the debt in pre-agreed installments, which means you can still deliver your baby at your favorite hospital.
Cesarean sections are more expensive and their cost goes from $8,000 to $70,000 depending on the hospital and eventual complications during surgery.
GETTING READY FOR BABY
Prenatal clothes for the mom but also baby clothes and gear can have a major impact on your budget. Certainly, if you have a healthcare insurance, you can assign a larger budget to buy baby stuff. However, it should be said that many parents buy a lot of things a baby doesn’t actually need.
Regarding prenatal clothes and gear for the future mom, the costs vary widely depending on the brand. Yet, there are many networks that allow women to share used prenatal clothes. Vintage shops also tend to sell good pregnancy clothes at low prices.
While specific pregnancy garments are usually expensive, investing in normal but loose clothes is a great alternative. Just buy larger garments from your usual shops.
In the first months of life, your baby will only need lots of onesies in terms of clothes. Their prices vary widely from about $5 to $15 or more per piece. The only thing to pay attention is to choosing cotton garments that are breathable and won’t irritate your baby’s skin.
Swaddle blankets made of cotton, baby sacks and bedding are other things your baby needs. If shopped wisely, you shouldn’t spend more than $100 for all of these.
Large baby gear includes the cradle, stroller, and car seat. For all these objects the prices go from around $50 to around $500. Shopping used baby gear can save you money, but the first thing to consider when buying these is safety.
Even if it seems more expensive at first, I suggest investing in a convertible car seat compatible with a travel system. In this way, you’ll be able to use both the seat and the stroller from birth to youth.
THINGS TO KNOW ABOUT YOUR INSURANCE
If you’re working full-time at a company that employs 15 peoples or more, your employer must provide a health insurance that covers pregnancy expenses. However, don’t just assume that everything is covered. Some insurances cover only a limited number of tests while others can include additional investigations such as an amniocentesis or the determination of the baby’s karyotype.
It is also good practice to read the insurance policy and make sure your pregnancy is followed by affiliate institutions. For instance, some insurances only cover public services. Others may also cover the services provided by private practitioners and health houses.
The terms and conditions also matter. For instance, some insurers ask you to notify them as soon as you go into labor, or they won’t cover the delivery costs. Or some insurers may not include the baby on the family’s health insurance unless you advise them as soon as the baby is delivered.
Insurance companies usually use any excuse to avoid paying, so make sure you read all conditions and choose only those healthcare providers that are included in your policy. Regardless of what the insurance covers, you’ll certainly be able to cut off some costs.
PREGNANCY CALCULATOR – A CHEAT SHEET
So, how much does your pregnancy cost if you’re not insured? Let’s sum it up:
- Prenatal care: $2,000;
- Prenatal classes: $50-$200/class;
- Delivery: $3,000-$70,000;
- Pregnancy clothes: free, if shared;
- Baby layette: $100;
- Car seat: $50-$500;
- Crib: $50-$500;
- Stroller: $50-$500;