How Much Does a Cesarean Section Cost?
A caesarean section, also commonly known as a “c-section,” is a surgical procedure that involves more than one incision in the mother’s abdomen during pregnancy. A caesarean section is commonly performed when there is more than one baby or there are complications with the pregnancy itself. While most caesarean sections are recommended by a doctor during a baby delivery, many mothers today plan to schedule one to avoid a natural child birth. The cost of a caesarean section will greatly depend on your insurance coverage, location, the hospital, as well as other various factors.
How much is it?
- Without a health insurance policy, a caesarean section can cost anywhere from $13,000 to as much as $32,000. This is going to greatly depend on the hospital, the situation, as well as the surgeon performing the procedure itself.
- With an insurance policy, it will all depend on co-pays, deductibles and other aspects of your insurance plan. Since all health insurance policies are different, it is best to call your health insurance company to discuss your benefits as well as what is going to be covered. On average, those with insurance policies pay anywhere from $350 to $3,500.
- According to a forum thread over at Pregnancy-Info.net, people have claimed that they paid anywhere from $6,000 to as much as $22,000 for the procedure. Keep in mind that the geographical location is going to play a rather big factor on the overall pricing.
What are the extra costs?
- Medication that is needed during the actual delivery process itself such as an epidural, pain medication and more will be additional.
- Each additional night in the hospital can result in an extra $600 to $1,800 per day. A caesarean section generally requires a 2 to 3 day stay depending on the mother’s health.
- Laboratory fees, surgical supplies and surgeon fees can be tacked on to your bill depending on the hospital’s policy. Most hospitals will be able to discuss ballpark figures before you go into any surgeries.
What is going to be included?
- Most caesarean sections are going to be required on the spot by your OB/GYN. This can happen when there are complications during the delivery process.
- If you make the appointment ahead of time, the hospital and OB/GYN will let you know when you can arrive for your scheduled caesarean section.
- After the procedure has been done, most will stay in the hospital up to three days. This will all depend on the situation as well as how well the mother is healing.
How can I save money?
- Consider talking with the hospital beforehand. Many hospitals are more than happy to set up a payment plan or even offer a discount if you pay in full. If you offer to pay in full in cash or on a credit card, you can save up to 40%.
- Before you think about getting pregnant, be sure to inquire about a maternity waiver. Many individual insurance policies don’t have maternity waivers included. If this is the case, you’ll be responsible for the full bill.
- If it’s a public hospital and you meet certain income requirements, you may be entitled to certain discounts.