Cost Savings Tips and Financial Considerations
Choosing a Provider
The cost of having a baby will include many different services like the obstetrician, hospital or birthing center, anesthesiologist and pediatrician. Remember, the doctor you choose will determine which hospitals you may use for your delivery. You will want to check on pricing for the major items as early as possible if the cost of delivery is an important consideration.
Type of Delivery
Vaginal delivery is typically less expensive than Cesarean section delivery. Vaginal delivery also requires a shorter stay in the hospital and has a quicker recovery time for the mother.
Often, once a woman has had a Cesarean section delivery, physicians will offer for future children to be delivered by Cesarean. However, many physicians will now offer or even recommend that a vaginal delivery be performed for subsequent pregnancies as long as there are no medical reasons requiring a Cesarean section delivery. This is often referred to as Vaginal Birth After Cesarean or VBAC. If you would like to have a VBAC, make sure to ask your physician if this is an appropriate option for you.
Fair Price Information
What does the Fair Price mean?
This is Healthcare Bluebook's recommended price for health care services. The Bluebook price is based on the typical fee that providers in your area accept as payment from insurance companies. This is the price you should have to pay, even if your provider charges more. You can use this price to negotiate with your provider or shop for an in-network provider that charges a Fair Price.
How do I find a Fair Price?
If you have health insurance, you should ask the in-network providers listed in your provider directory what the in-network rate is for this service. Different in-network providers often charge different prices. Call several providers to find one that is willing to accept a Fair Price.
If you do not have health insurance coverage, then you should call providers and ask if they offer discounts for self-pay patients and what their price is for the service.
See the How to Negotiate Healthcare Prices with Doctors and Hospitals section for additional information.
See the Healthcare Quality Resources section to make sure that you find high quality providers.