So how much does it cost to have a baby these days?

These are the three birth choices I was interested in:
1. Out of pocket through my OBGYN Complete Women’s Care (which incidentally is what they call their self pay option…)
a. OBGYN Fees-(payments broken into 5 payments= 950, 950, 600, 400, 95) these fees are for the 13 visits. Ultrasounds are 269 each. A fetal stress test is 115 (there are a few other misc. fees involved too…so for inclusive sake Ill add an extra 150. Which Im sure is on the low side)
b. TO Deliver the baby- 3,490
c. Hospital fees- 3,400 (to deliver the baby and immediate assoc expense)
d. Room/Board a day (minimum 2 night stay) 975
TOTAL- 12,520
2. Using Private Health Insurance- Plan in question is Optima Plus 3000 plan (3,000 deductable with 20% coinsurance)
a. 108 monthly premium associated with the maternity rider (you must have it 6 months prior to conception and of course the 10 months after-one additional month for post partum care)= 1,728
b. Deductable of 3,000 must be met. We’ll assume that we’ve all be healthy this year and it HAS NOT for these purposes (furthermore, who’s to say the birth doesn’t happen at the beginning of a new ‘calendar’).
c. 20% coinsurance of 3400 + 975 +975= 5,350$ =1070
d. 350 Global deductable which includes all of the doctors visits, u/s’s , lab work, etc
TOTAL- 6,148
3. Depaul MWC
a. 2,570 includes ALL 13 office visits, U/S’s, lab work
b. 1,400 Hospital fees for one night ($800 for the second night if needed)
Total- 3,970
• The nice thing, aside from the all the wonderful things about the MWC is that is something were to go wrong and they do transfer you to the traditional L&D side, there is no price hike. This is there standard self pay rate for the MW’s or the Dr’s.