I learnt that when you are happy, you have a song in your mouth. Well, today, I have songssss in my mouth (*smile). Even though, the last two weeks have been pretty busy for me, they have brought great news. One of our clients delivered her son yesterday in Phoenix…and guess how much her total medical costs were? $2,900 only!!! Secondly, remember the couple I told you about in my last article, that was looking at paying at least $12,000 for a normal delivery in Maryland and we helped to get a $6,000 option. Well, we finally got the additional discounts we were working on; and now their total medical costs comes to about $4,000 only!!! So it sure has been two great weeks.
Well, we finally got the additional discounts we were working on; and now their total medical costs comes to about $4,000 only!!! So it sure has been two great weeks.
One of our clients delivered her son yesterday in Phoenix…and guess how much her total medical costs were? $2,900 only!!! Secondly, remember the couple I told you about in my last article, that was looking at paying at least $12,000 for a normal delivery in Maryland and we helped to get a $6,000 option. Well, we finally got the additional discounts we were working on; and now their total medical costs comes to about $4,000 only!!! So it sure has been two great weeks.
So in the spirit of sharing the joy bug, I decided to write today on something that will benefit you as per your desire to have your baby in the US…and not just my ramblings (*wink). In the article, I’ll be sharing with you things to note as you choose your birth option and some questions from clients.
There are basically 2 birth options: Vaginal delivery and C-Section. However, thanks to better healthcare facilities in the US, there is another birth option known as VBAC (Vaginal Birth After C-Section); which allows one have a baby normally even though previous birth(s) were by C-Section.
So let’s look at each option; and all the questions I have received so far on each of them.
Vaginal Delivery: This option also known as Normal delivery is the most popular and affordable option. It should normally be the preferred birth option except one has health challenges which may be heightened during labour/delivery and constitute a health hazard. The important thing to note here is vaginal delivery is not necessarily the preferred birth option in the US as most doctors in the US prefer delivering babies via C-Section. As such, sometimes you may need to insist on what you want.
Question 1: So what happens if I plan to have my baby via vaginal delivery but at the last minute, there are complications and the baby needs to be delivered by C-Section?
For example, a hospital charges a discounted fee of $2,000 for normal delivery and $3,500 for a C-Section birth; if fees are paid before due date. You plan to have your baby via vaginal delivery so you paid $2000 only. However, by your last visits to your doctor, he/she advices you to have a C-Section based on very concrete reasons; what you need to do is go back to the hospital before the scheduled date of delivery and pay the addition required to meet up with the C-Section cost ($1,500). The same applies for the doctor’s fees and anaesthesia.
Question 2: What if I do not make this additional payment before delivery?
At the point of discharge from the hospital, you will receive a friendly visit from someone in the billing department sharing with you the additional charges incurred due to the change in birth option. Usually, you will be given the option to pay the discounted rate immediately (e.g. the $1,500 balance) or the full cost within 30 days of discharge or according to a mutually agreed payment plan. The full cost can be as much as two or three times the discounted rate. This also applies for anaesthesia.
Question 3: But how will I know the cost of a C-section birth before time?
We provide maternity cost quotes for clients with our Deluxe Personalized Service and All-Inclusive Childbirth Package. With these services, we share the costs for both birth options so you can have an idea of the costs and plan better…just in case.
Question 4: So what happens if the reverse is the case? I plan to have my baby via C-section and things change so can have my baby normally?
Relax; we will cover this in more detail when talking the C-Section option.
Question 5: Are there other ways to make a vaginal delivery even more affordable?
Oh yeah there are!!! There are actually two ways to achieve this:
- a. Midwifery option in the Hospitals: Recall that with the Hospital option for normal delivery, one pays two sets of bills. One to the hospital for the use of its facilities for delivery and the second to the doctor (OBGYN) for pre-natal care and delivering the baby. With the midwifery option, instead of receiving pre-natal care and delivery services from an OBGYN, one receives these from a Certified Nursing Midwife which costs less. If you are having your second or third baby and your pregnancies are usually low-risk and uncomplicated, this might be an option you’d like to explore. The only snag is that VERY FEW hospitals offer this option.
- b. Birth Centers: These centers are managed by Certified Nursing Midwives; who offer pre-natal care and delivery of the baby at the Birthing Center. Some offer the option of birthing the baby in a nearby hospital should ‘serious’ complications arise during childbirth. Birth centers advocate a completely natural childbirth process thus no anaesthesia but lots of natural pain management options and support. If you have a history of uncomplicated pregnancies, you might also want to explore this option. It’s usually about 40% (or more in some cities) cheaper than the traditional hospital approach. However, I personally think all first time moms should go with the traditional hospital approach just to be on the safe side.
Phew!!! That has been a mouthful…and I hope it was of value to you. I’ll be back with more (on the remaining birth options) over the next couple of days.
Cheers and have a great weekend and week ahead!!