Paying the Price of Pregnancy

Facing The Baby Bill

Pregnancy and childbirth should be a joy, or at least a worry-free experience. The emphasis should be on maintaining the best possible state of wellbeing for the mother and baby. In the US, unfortunately, your financial health plays a big role, too. For most, the type of medical insurance they possess spells the difference between achieving easily-affordable parenthood and taking a cripplingly expensive step.

Expectant? Consider The Unexpected

The best laid plans of mice, men and would-be mothers can and do go awry. Even when your finances are all in place to cover the process from conception to birth, Mother Nature can perform that trick of surprising you, whether with news of twins, news that you need additional tests, or news of complications. Add to the mix the fact that, even if it is not a first baby, rarely can it be predicted whether the baby is going to be born vaginally or by Cesarean section. Any or all of these will add large sums, often thousands of dollars, to the cost. Emergency credit is a useful tool for just this eventuality.

Not every pregnancy gets underway in the best possible economic circumstances. To tell the truth, if everyone had to wait until they could properly afford to go down the parent route, the population would be in a very sharp decline. If you or your partner gets pregnant, the question that has to be answered is: have you looked into the costs that you will be liable for?

The unknown plays a big role here, even if it is not the first baby, because there can always be complications. Last-minute decisions also sometimes have to be made, such as whether to have a Cesarean birth. Those who elect to have this procedure, or for whom it is known to be the safe option, at least know they face the more expensive type of childbirth procedure.

Practical Steps

There are ways to reduce the cost of having a baby. Settling the hospital bill in one hit rather than in staged payments can attract a good-sized discount. The services of a midwife are considerably less costly than those of a doctor, and can therefore be a more affordable option. In some cases, discounts can be agreed upon for an all-inclusive package comprising antenatal care and delivery.

Even with these possible savings, it is easy to forget that in most cases a separate bill will be presented for the baby’s care, once born. Emergency Credit may provide a temporary solution if you are without health insurance. An injection of emergency cash can really help new parents. The good news is that pregnancy cannot, according to Federal law, be considered a pre-existing condition, which means insurance you get while pregnant will cover you. Check to make sure the policy you’re looking at offers coverage for maternity needs. This is no time to delay putting in place a method of paying for Junior’s appearance in the world. Be certain that it is the baby (or babies, should a multiple birth be expected), and not the medical bills taking center stage.