How Much Does Baby Delivery Cost?

Because of the wide range of issues concerning child birth, the cost for something like this can only be estimated.  There are many things that can have an effect on the actually cost, such as whether it was a natural birth or Cesarean; whether or not there were any kind of complications; whether or not the mother received an epidural; whether the mother’s room is private or shared; and many other factors.  Although the cost of some of these things can be discussed before the birth of the baby, others can only be guessed and the total bill may be much different from what you expected.

“In his hospital bassinet (enhanced)” (CC BY 2.0) by  SmartGoat

How much does it cost to deliver a baby?

A natural childbirth with no complications will cost anywhere from $8,000 to $16,000.  This price depends on the hospital, part of the country (cost of living), and health of the baby.  Remember, this won’t include the cost of prenatal care, which can be in excess of $2,000.

A childbirth by way of Cesarean will cost anywhere from $12,000 to $24,000.  This price also depends on the hospital and part of the country, but also the reason for the Cesarean delivery.

Most insurance companies cover the cost of childbirth, but the family will usually have to pay a copay (usually 5-20%) or deductible (usually $1,000-$3,000).  Those with insurance pay only a small percentage of the figures discussed above.

According to a recent study done by Childbirthconnection.org, Maryland charged the least amount for all methods of birth.  When compared to other reporting websites, these hospitals charged $3,000 to $4,000 less for a vaginal birth and $7,500 to $10,000 for cesarean births.  New Jersey charged the most for complicated and uncomplicated births, approximately $10,000 to $13,000 more than other reporting hospitals.

According to this forum thread on the website BabyCenter.com, users claimed that their baby delivery cost ranged anywhere from $1,500 with insurance to as much as $35,000 with complications.

WebMD.com notes the cost of having a baby will be steep.  If you have a complicated cesarean, it could cost about $15,800.  On the other hand, an uncomplicated natural birth can cost $9,600, according to government data.

Baby delivery overview

This cost includes the mother’s time in the labor and delivery as well as the actual birth of the child.

Also included is the newborn’s stay in the nursery for approximately 2 nights.  This depends on the time of day the baby was born, if there were complications, and the health of the mother.

A one to two-night stay for the mother is typical, with all meals included in the price.

A routine check-up by the pediatrician will be performed before the baby leaves the hospital.

All the formula and diapers for the baby are included during the stay at the hospital.  Many times, the hospital sends you home with a bad of extras as well.

What are the extra costs?

In some cases, the mother is given a drug, known as Pitocin, to help the delivery progress faster.  This is often an additional cost.

If the mother chooses to receive an epidural, she will be charged for it.

If there are any complications with the mother or the child, the cost will increase greatly.

While many hospitals only have private rooms available, some hospitals have private and semi-private (shared with one other family).  In this case, the private room will be more expensive.

If the child is a boy and is going to be circumcised, there will be an extra charge for that procedure.  This is often around $200.

Tips to know:

Take a tour of the hospital before the pregnancy begins.  This is going to give you the opportunity to see what the hospital can offer, what the nurses are like and can give you a good feel for what the hospital layout is like.

Consider taking classes through the hospital before the delivery.  These classes can help with preparations, tours of the hospital, as well as exercises such as breathing techniques to make the delivery as smooth as possible.

You may want to talk with your health insurance provider before giving birth.  Depending on the insurance carrier’s policy, some may want to be notified ahead of time.

Baby delivery questions to ask:

When should I come into the hospital?  What do you recommend?

How long will it take for my primary health provider to see me?

Will my birth plan always be honored?

What exactly is allowed during my labor?

How many people can come into the room while giving birth?

What are the restrictions when giving birth?

How long will I probably stay in the hospital?

If the birth is healthy, how long will the baby have to remain in the hospital?

How can I save money?

The best way to save money on childbirth is to pay cash.  Many hospitals will take much less money for services rendered if the patient is able to pay cash up front.

Be sure to know what your insurance is going to cover.  You’re going to want to talk with your insurance company before the process even begins.  It’s common to find out that policies, such as self-employment, won’t cover maternity procedures.

If you’re thinking about getting health insurance, you may want to think again.  What you’re going to find out is that some health insurance riders are a lot more expensive than you think.  Do the math to see if it’s truly worth it.

If paying out of pocket without insurance, be sure to talk with the hospital.  Many can offer a discount for those that either meet a certain annual income or for those that pay up front.  Full cash payments can save you up to 60%.

Hypnobirthing or a midwife can be a great alternative.  These types of births are very affordable and most will work with your budget.  Aside from a midwife, you may also want to consider a birthing center rather than a hospital setting.

How can I compare prices?

Most hospitals can give you a price sheet of everything that is, or could be, included in childbirth costs.  However, since the health of mom and baby is the most important thing, the cost should not be your only concern.

Most people have access to more than one hospital within a reasonable distance from their homes.  This allows the mother-to-be the opportunity to call around and compare prices before the baby comes.

When calling a hospital, ask them if they are within your insurance network.  Even if your doctor is in network, it doesn’t mean the hospital they work worth is.

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How Much Does Cord Blood Banking Cost?

According to Cord Blood Registry, cord blood is defined as “the blood that remains in your baby’s umbilical cord after the cord has been cut, is a rich source of unique stem cells that can be used in medical treatments.”  Cord blood has been shown to help treat over 80 diseases, such as leukemia, other cancers, and blood disorders.  This cord blood, which can be safely removed from your newborn’s already-cut umbilical cord, can be privately stored for the purpose of possible use in the future for your child or family member.  (It can also be donated to a public bank, but this is not widely available)

How much does cord blood banking cost?

There is usually a one-time processing/preparation cord blood banking cost fee of around $2,000.  First year fees on average can range anywhere from $500 to $2,000.

There will be some kind of shipping charge, usually around $150.

There is an annual storage cost of anywhere from $100-$200 depending on the company you choose.

CordBlood.com has a one-time processing fee of $2.070.  The first year of storage will cost $125 after that.  They also have low-cost monthly payment plans that start as low as $61 per month.

According to this ABCNews.com article, the one-time fees are often around $2,000 to $3,000.

Cord blood banking cost comparison:

Cord blood banking overview

The extraction of the cord blood from your baby’s umbilical cord is the first step.  If you choose not to bank the cord blood, it will merely be thrown away.

The cord blood will be prepared for temporary storage while being shipped to the storage facility.

Once it arrives at the storage facility, the cord blood will be processed and placed in storage.  The cord blood will either be completely immersed in liquid nitrogen or it will be stored in nitrogen vapor.

As of 2016, there are about 34 companies offering cord blood banking services.

What are the extra costs?

Some cord blood banks also offer storage of the cord tissue for an additional charge.

Some banks charge extra for the collection kit, but these are usually included.

An administration and courier fee could be added with the initial payment.

Some companies, such as ViaCord, may allow you to store tissue.  This can often add another $1,000 to the one-time fee.

Tips to know:

Cord blood banking is ideal for families that have diseases such as leukemia, lymphoma, cancers and sickle cell.

If you feel that the procedure is too expensive for your child, check with the hospital to see if there are any programs and/or grants available that can assist with the procedure.  Some companies do offer financial aid.

Cord blood banking is highly ideal for those that want to have quick access to the blood cord units.  This is ideal for procedures such as a transplant.

Even if you don’t want to store the cord blood, highly consider donating the cord blood to local public banks.  This cord blood can help patients that are on waiting lists with diseases such as leukemia.

If highly considering the option of donating cord blood, be sure to notify your OB/GYN or hospital during the 34th week.

When choosing a cord banking company, make sure that they are accredited by the American Association of Blood Banks.

Questions to ask:

• Is the bank public or privately held?  How is this company financially?
• Is the bank related to any type of institution or hospital?
• Is the cord blood banking center affiliated with any type of research center?  Some centers may use the cord blood for research, rather than sending it off to donate it.
• Are there any other services that you offer that I can take advantage of?
• How long have you been in the business of cord blood banking?  Why should I choose this company?
• How many samples do you currently hold?  How are they stored?

Pros of cord blood banking

It gives you that peace of mind that if anything did happen to your child, the doctors would have access to their blood.  This could potentially be a great benefit, and you would have no idea what would have happened if it weren’t for this blood.

As technology gets better and better, doctors may be able to use your child’s blood for other reasons.

Scientists note that the cells from cord blood are less mature and a recipient’s body will have a less likely chance of being rejected.

Cons of cord blood banking

Scientists have stated that unless your child has a rare blood type, a donor can easily be found, and the umbilical blood is unnecessary.

There is no guarantee that cord blood banking works.  While the chances can be increased if your child were to have cancer, no bank will guarantee this.

It can get rather expensive.  A family with three children could be paying close to $400 a year to store blood.

Cord blood is usually used to treat diseases in children.  Since there is less than five ounces, there won’t be enough to treat an adult.

Is cord blood banking worth it?

Banking your child’s cord blood really comes down your personal choice.  Some people may seem the potential benefits, while others can’t justify the costs.  No one debates cord blood cells being a lifesaver, and in recent years, more than 20,000 lives have been saved because of it; however, experts, such as The American Academy of Pediatrics, note that your odds of using this blood is about one in 200,000.  Instead of buying into a company’s advertising scheme, be sure to do your own research and deem what’s best for your child’s future.

How can I save money?

Many blood banks offer discounts to people who pay in advance for a certain number of years.  There are also payment plans that are available so that you don’t have to pay a full amount up front.

You may also purchase some of the Cord Blood Banking Books that can inform you of a lot more things that you should be aware of.

If you’re thinking about donating your child’s tissue with the cord blood, many storage facilities will offer a combined discount.

Some hospitals such as the Children’s Hospital Oakland Research Institute will bank cord blood to those that meet certain criteria.  More information can be found on their website.

Cord blood banking companies have gift registry options where you can have people donate money.  This is a great idea for those who are having a baby shower and need ideas.

How can I compare prices?

When choosing a cord blood bank, you need to inquire how the blood is stored (liquid nitrogen or vapor).

You should also ask how the temperature of your specimen is regulated.

How the facility is built (for instance, would it withstand a tornado or other natural disaster) can have an effect on the safety of your specimen.

The location of the storage facility does not matter as much as these other issues.

Discounts are often offered to students, military and for those who have twins or triplets.  Ask the cord blood bank to see what kind of discounts they offer.

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How Much Does a 3D Ultrasound Cost?

A 3d/4d ultrasound is different from a 2d ultrasound in many ways.  First, the 2d ultrasound “sees through” the baby layer by layer.  This allows the technician to get a good look at the baby’s organs and determine if there are any health issues the baby may face.  In this way, 2d ultrasounds are better.  However, the picture received from a 2d ultrasound is usually unclear and the physical features of the baby are hard to spot.  A 3d ultrasound takes images of the baby from three different angles, resulting in a 3-dimensional picture.  This picture only shows the surface of the baby, which means the baby’s features can be seen much more clearly.  The 4d part of this ultrasound is simply being able to watch the movement of the baby – this is usually recorded for the mother to take home.

“3D Ultrasound” (CC BY 2.0) by  balleyne

How much does a 3D ultrasound cost?

A 3d/4d ultrasound can cost anywhere from $100 to $300.  This price range depends mostly on how many features you want.  The more features you choose and the longer the session, the higher the cost will be.

On average, plan on spending anywhere from $100 to $1,000.  This will greatly depend on the ultrasound and the provider providing it.  It will also depend if you have any sort of health insurance policy.

Because a 3d/4d ultrasound is elective, insurance companies generally do not cover the cost.  3d/4d ultrasounds do NOT replace the traditional diagnostic 2d ultrasound.  If there is a problem detected at the routine 2d ultrasound, an additional ultrasound may be recommended.  In this case, insurance will usually cover it.  eHealthInsurance.com is a great marketplace to find insurance companies that can help cover the costs.

3D ultrasound cost overview

A certain number of 3d image prints from multiple angles will be yours to take home.

A CD of all the pictures taken can be made so you can print the photos at home or local retailer.

A DVD can be made of the movement (the 4d portion) for you to keep.

Many places offer a teddy bear that has a recording of your baby’s heartbeat.

Gender determination (or confirmation if you already know) can be included upon request.

Theatre-style seating for up to 10 people to share the experience.

The more prints included or the longer the 4d portion, the more expensive your experience will be.

An ultrasound exposes the body to high-frequency sound waves that produce pictures inside of the body.  Captured in real-time, you will be able to see the internal organs and blood flowing through the vessels.  This test is very safe and is painless.

Most sessions will last 30 to 60 minutes.  30 minutes will usually be the scan time, while the remaining time will include picking out the pictures you want.

What are the extra costs?

Some 3d/4d ultrasounds charge extra for things like glossy photo paper instead of thin paper, or color photos instead of black and white photos.

Extra prints can cost $2 to $5 per 10 photos.  The same can be said about extra DVD copies.

Many are able to convert the baby’s heartbeat into a teddy bear.  This can cost an additional $30 to $50.

If you miss your appointment or cancel late, most facilities will have a late charge.  This late charge can be as much as the entire appointment.  If you have to cancel, be sure to do so within 24 hours.

Tips to know:

Be sure to get something to eat before heading in.  The ultrasound process can be rather long.

The doctor will recommend that you come in with a full bladder.  This makes it easier for the ultrasound tech to get a better reading.  Drink something such as water a few hours ahead of time to ensure that your bladder is full.

Try to avoid drinking caffeinated items.  People have stated that this can get the baby to move, but it will only make it hard for the tech to gather pictures during the process.

If the hospital allows it, bring a video camera into the room so that you can capture the experience when you found about what gender you were having.  While the ultrasound could be recorded onto a DVD, this won’t mean that the experience was recorded.

Not all procedures will be covered by the insurance companies.  Always make sure that you get pre-approval ahead of time just to play it safe.

Before going in for an ultrasound, ask them who will be offering it.  Will it be an obstetrician or an ultrasound tech?  What kind of information are they able to give once the ultrasound is done?

Most ultrasound companies recommend you come in during your 27th to 34th week for the best results.

Difference between 3d and 4d ultrasound

A 3D ultrasound is an advanced method that captures a true 3D image, often resulting in seeing special facial features.  On the other hand, a 4D ultrasound is an actual moving image.  With a 4D, you will be able to see the baby move and make movements such as yawning, turning or even sucking their thumb.

Types of ultrasounds:

Color doppler

A color doppler ultrasound will use a computer to computer measurements.  It can also analyze the blood flow through the vessels.

Power doppler

A power doppler ultrasound can provide greater detail in terms of blood flow inside of the organs.  The downside to a power doppler is that the technician can’t tell the direction most of the time.

Spectral doppler

A spectral doppler can display the blood flow in graphical measurements.  It can also show the distance traveled per unit.

How can I save money?

Some facilities give discounts if multiple sessions are booked (it will only be cheaper per session, not overall)

Some facilities are cheaper during weekdays than they are at night or on the weekends.

Many facilities offer military discounts.

Facilities are going to be a lot cheaper than a hospital.  If possible, avoid the hospital and have the ultrasound performed at a local private facility.

Many 2d ultrasound facilities also do 3d/4d ultrasounds.  If you schedule both of your ultrasounds there, a discount will usually be given.

As long as the ultrasound is medically necessary, you should be covered.

Check the official website to see if any specials are being held.

Ultrasound cost without insurance options:

Pay in cash

If you don’t have any sort of insurance policy, ask them if you can receive a cash discount.  Those who pay by cash or even by credit card in full can save up to 40 percent on their bill.

Charity

Many local charity and organizations will provide ultrasounds at no cost if you meet certain income requirements.  Most charities will ask that you’re at least 200 percent below the federal poverty level.

Tax Credits

If you do have to pay for the ultrasound out of pocket, keep in mind that you may be able to write these costs off at the end of the year.  Be sure to save all the receipts and paperwork.

How can I compare prices?

A simple comparison of prices will not help determine the best deal.  You must compare the cost as well as the features included to find the best overall value.

Most facilities will allow you to come to tour their building prior to scheduling an appointment.

Most facilities will provide sample pictures and videos for you to see.  Remember, however, that there is no guarantee that your baby will cooperate!!

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How Much Do Prenatal Vitamins Cost?

Most doctors suggest that pregnant women take a daily prenatal vitamin to supplement the nutrients they may be missing in their diet.  These vitamins can also help in preventing birth defects in the child as well as preventing the loss of bone density in the mother.

“1. pregnancy” (CC BY 2.0) by  TipsTimesAdmin

How much do prenatal vitamins cost?

Prenatal vitamins can cost anywhere from $.03 per pill to $.65 per pill, depending on the brand and what is in the pill.  Some of the brands that are cheaper per pill, however, can require taking more than one per day.  On average, prenatal vitamins will cost $0.30 per day or about $9 per month.   You can find a good selection here.

Since it is recommended that you take prenatal vitamins up to three months before you plan to conceive and at least three months after you deliver, you will need prenatal vitamins for about 15 months.  This will result in a total cost of $135.

For example, a popular product such as the New Chapter Perfect Prenatal retails for $38 to $71.   A gummy version of prenatal vitamin such as the Vitafusion Prenatal by Vitafusion retails for $11 to $15.

Prenatal vitamins overview

Along with a normal multi-vitamin amount of everyday vitamins and minerals, a prenatal vitamin will contain folic acid, iron, and calcium.  According to WebMD, folic acid can help reduce the chances of birth defects such as spina bifida.

Most prenatal vitamins should include folic acid, calcium, iron, vitamin A, vitamin C, vitamin E, zinc, copper and omega-3 fatty acids.  Be sure to check the label to see what’s included.

Prenatal vitamins can come as a chewable pill, capsule or liquids.

What are the extra costs?

Women with allergies or special diet restrictions may need a more specialized prenatal vitamin.  However, these kinds of prenatal vitamins can be quite a bit more expensive than regular vitamins.  Women with a wheat allergy can take Food Source Gluten Free Prenatal Vitamins.  Those who are vegetarians can take something like Vegan Prenatal Multivitamin.  Women who choose to go organic have many choices including Rainbow Light Prenatal organic multivitamin.

Tips to know:

Prenatal vitamins are going to have side effects that include making one nauseous, constipation or a “nasty taste” if one burps.

Set reminders when getting used to taking a prenatal vitamin.  This reminder can be set on your phone, or you can relate it to things that you do during the day.  For example, if you drink coffee each and every morning, put the vitamins next to the coffee pot.

If you’re finding that the vitamins are too hard to swallow, ask your OB/GYN for alternatives.  Many vitamins can be broken in half to make them easier to swallow.

If experience side effects such as dizziness, try taking the vitamin at night so that the feeling happens when sleeping.

Even after birth, doctors often recommend breastfeeding women to continue taking these vitamins.

Some vitamins don’t mix well with some women.  If you feel queasy or notice other side effects, consider switching to another brand.

Benefits of taking prenatal vitamins

Many women who are pregnant often don’t consume the proper amount of nutrients, including folic acid and iron.  The nutrient intake increases while pregnant, and it’s essential you receive the required amount.  Folic acid, for example, the necessary part of fetal development. The American College of Obstetricians and Gynecologists recommends that a woman consumes at least 600 micrograms (mcg) of folic acid daily.  Iron is necessary to create new blood cells inside the body.  Since the blood volume increases, the Mayo Clinic notes a pregnant woman needs at least 27 mg of iron daily, which is 8 mg more than a non-pregnant woman.  Lastly, calcium is needed to help lactating women keep their bones strong.

Best time to take prenatal vitamins

There’s no best time in the day to take a prenatal vitamin.  Some women like taking it before bed, while others like taking it in the morning.  However, if you do feel nauseous after taking one, it may be best to take it during a meal.

What is DHA in prenatal vitamins?

DHA, known Docosahexaenoic acid, is an omega-3 fatty acid, which is often found in fish.  Pregnant women will depend on this fatty acid to help promote healthy fetal development.  Since the average woman eats less than two ounces of fish per week, DHA will make sure pregnant women reach the recommended eight to 12 ounces.

Top brands to consider:

• Belly Bar
• Garden of Life
• Nature Made
• Nature’s Way
• VitaFusion

How can I save money?

Buying store brand rather than name brand can often save quite a bit of money.  However, be sure the brand you choose has all the essential ingredients by inquiring whether or not it is approved by the USP.

Buying in bulk (for example, a bottle that contains 300 pills rather than 90) can save you money per pill.

Getting a prescription from your doctor will allow you to claim the prenatal vitamins on your insurance.  Check with your OB/GYN to inquire about samples.  Many doctors are more than happy to hand out samples each time you visit.  This is a great way to get your vitamins for free.

How can I compare prices?

Because it is not healthy to constantly switch prenatal vitamins, do research on cost before you begin taking them.  Once you find one that is cost-efficient, try it for a week to give your body a chance to react to it.  If you have no negative side effects, try to continue with that same brand for the remainder of your pregnancy.

How can I save money?

Buying store brand rather than name brand can often save quite a bit of money.  However, be sure the brand you choose has all the essential ingredients by inquiring whether or not it is approved by the USP.

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How Much Does Prenatal Care Cost?

While pregnant, it is very important for a woman to take care of herself and the baby by getting regular check-ups.  These check-ups, which start monthly, then turn to bi-monthly and eventually weekly, will help the doctor determine if everything is progressing normally with your pregnancy.

“1. pregnancy” (CC BY 2.0) by  TipsTimesAdmin

How much does prenatal care cost?

On average, the total prenatal visits will cost anywhere from $1,700 to $3,000 for the entire nine months during the pregnancy.  This is without insurance and doesn’t include the baby delivery.

According to Revolution Health, the average prenatal care cost of a prenatal visit is $133.  Throughout most pregnancies, the mother will see the doctor about 14 times.  Therefore, the total average cost is $1,862.

WebMD.com states that the average person pays around $2,000 for prenatal care.

Plan on spending anywhere from $95 to as much as $200 per visit without any sort of insurance.

Depending on the type of insurance you have, you will only have to pay a percentage of this.  Most insurance companies cover anywhere from 85%-90% of costs.  Basically, you will probably have to pay about $15 per visit out of pocket.

Prenatal care overview

At the first prenatal visit, the doctor will calculate your due date and give you information regarding not only your pregnancy but about your newborn baby.  The doctor will discuss with you things like diet and exercise, vitamins to take, birthing options, etc.  Most visits after this will simply consist of taking your weight, a urine analysis, listening to the heartbeat, and an opportunity to ask any questions you may have.

During the first appointment, the doctor will be able to determine a due date, perform an exam and will more than likely perform a pap test.  The government also requires that all women get tested for HIV.

During the subsequent appointments, the doctor will ask about how you’re feeling and if you have any concerns.  The goal of each appointment is to see how the pregnancy is proceeding and to provide you with information along the way.  Each appointment will often include checking your weight, blood pressure and taking urine samples.   As the baby grows, the OB/GYN will check the position of the baby, along with the heartbeat.

At around 20 weeks, an ultrasound will be scheduled in order to better assess the health of the baby and to find out the sex of the baby if the mother so desires.

Most appointments will include a urine sample to screen the sugar, a weight recording, the baby’s heartbeat (if applicable), the OB/GYN will check the position and your blood pressure will be checked.

You should expect to see the doctor about 12 to 15 times.

Prenatal screenings

Most of the screenings will be done throughout the pregnancy; however, some may be optional and will only be recommended if your doctor recommends it.

• Anemia
• Bacteriuria urinary tract
• Rh incompatibility
• Hepatitis B
• Gestational diabetes
• Syphilis
• HPV
• HIV
• Gonorrhea
• Chlamydia

What are the extra costs?

If there are any complications resulting in extra testing, the total cost will increase.

If you would like additional ultrasounds, such as a 4d ultrasound, this will more than likely not be covered by insurance because it is not a necessity.  A 4d ultrasound can cost anywhere from $100 to $300 depending on what features are included in the experience.

Most doctors suggest that pregnant women take some sort of multi-vitamin.  This is usually covered by insurance except for a small copay.

The baby delivery will be considered an additional cost outside of the care.

Complications during a pregnancy can sometimes lead to extensive tests or prolonged hospital stays.  If this is the case, the cost can greatly vary depending on what has been done.

Tips to know:

During the first appointment, be sure to bring items such as your medical records, a list of medications you’re currently on, questions you may have (write these down) and a friend or husband to help support you during this process.

Before the process even begins, it’s essential to know what’s going to be covered under your health insurance policy.  Since many health insurance policies are different, one policy may cover one procedure, while another may deny it.

Consult with the hospital before the labor begins.  If paying out of pocket, the hospital will be more than happy to give a discount to those that are paying up front with cash.

If purchasing prenatal vitamins on your own, talk with your OB/GYN.  Many OB/GYNs are more than happy to give out samples for free throughout the duration of the pregnancy.  This is a great way to avoid paying the full retail price.

While a hospital delivery can be rather expensive, consider other alternatives that are cheaper such as a doula and/or midwife.  An insurance company may not cover a procedure such as this one, but many soon-to-be moms prefer this route because of the home-based setting.   See: “How much does a doula cost?”

How can I save money?

Planning pregnancy ahead of time can help save confusion with the insurance company.  If you sign up for health insurance when you are already pregnant, some companies consider it a “pre-existing condition” and it will not be covered.   Keep in mind that if you sign up with a group insurance plan, they will have to cover you by law.

If you have no insurance, many doctors offices and hospitals will give discounts if you pay in cash.  These discounts are not openly offered, however;  you must inquire and bargain with them.

Uninsured women who meet certain financial guidelines will find that there are many programs that can help with the cost of the care.

Most OB/GYNs are more than happy to provide you with prenatal vitamins for free.  If you can’t afford the vitamins, let them know.

Prenatal care low-income options:

Local Health Department

Your local health department should be able to provide you with some programs that they run at a lower cost or even for free.  To connect with a local health department in your area, call 1-800-311-BABY.

Medical Schools

Many bigger medical schools will run clinics for the public.  Working with medical students that are supervised, you can get care at a fraction of the cost.

Planned Parenthood

Like the health department, planned parenthood can provide care based on your salary.

Medicaid

This is a program sponsored by the government for those who meet certain income guidelines.  If accepted to this program, you will get a list of doctors that you can see for care.

How to choose a prenatal care provider:

Doula

Similar to a midwife, a doula is more like a coach.  They will help with physical and emotional support during the labor.  A doula will often work with a midwife during the labor process.  If using a doula, make sure that you check with your insurance company to see if you’re covered.

Midwife

A certified midwife is great for women who are considered to be at low-risk.  Educated in nursing, a midwife can practice at hospitals and a birthing center.  Many prefer to deliver babies in the patient’s home.

Family Practice

Family doctors can provide care during a pregnancy but it may not be as detailed as an OB.  They can do just about everything, except for cesarean deliveries.

Obstetricians

Medical doctors who specialize in delivering babies.  They will also have special training with surgeries such as a cesarean section.  Women who think that they are at the highest risk during a pregnancy should consider this specialty.

How can I compare prices?

Because we are talking about the health of you and your baby, you should choose a doctor and hospital according to their credentials and your comfort level, not according to price.

When choosing a provider, research their reputation, their bedside manner, office location, where you deliver and how they handle off-hour calls.

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How Much Does a Doula Cost?

According to birthnaturally.org, a doula is defined as “a non-medical professional labor companion that provides informational, emotional, and physical labor support in addition to your nurse, doctor or midwife.”  A doula is a companion that will offer support and encouragement throughout the birthing process but will not provide any sort of medical advice or treatment.  If you’re hoping for a natural delivery, then a doula may be best suited for your future baby delivery.

“Pregnant” (CC BY 2.0) by Frank de Kleine

How much does a doula cost?

The cost of a doula varies greatly from state to state.  It can cost as little as $250 or as high as $1,500.  This cost depends mostly on the area where you live.  A larger metropolitan area with a higher cost of living will generally be in the thousands, while a small urban community will typically be in the hundreds.

WhattoExpect.com notes the cost of a doula will vary by region, but it will often range anywhere from $800 to $2,500, with the average being in the $1,200 range.  These fees will include the labor, delivery and the follow-up.

According to Mamanatural.com, they state the average doula will cost $300 to $1,000, depending on where you live.  They note that most doulas will set up a payment plan for those who can’t afford it.

What is a doula?

A doula can often be referred to as your cheerleader during birth.  Unlike an OB/GYN, a doula won’t have any medical training; instead, they are there to support you emotionally.  Before your due date comes, your doula will let you know what you should expect during the labor and delivery process.  Their job is to make the delivery as comfortable as possible.  While a doula doesn’t have medical experience, they have a wealth of knowledge in regards to natural non-medical pain management techniques such as aromatherapy, reflexology and massages.

Doula overview

Most doulas include at least one prenatal visit, and they will be at the hospital during the birth of the child.  They will make at least one post-partum visit.  Some doulas include two prenatal and postpartum visits, but these usually cost more.  Most will want to meet with you during your seventh month to discuss your personal birth plan.  During this first initial visit, a doula will ask you what kind of pain management you wish to seek and what may work best for the situation.

Doulas usually make themselves available via telephone any time you need to talk.

What are the extra costs?

Some women choose to have a doula help them with an at-home birth.  In this case, the cost will increase to anywhere from $1,000 to $2,500.

Some doulas offer services, such as massage and aromatherapy, for an extra charge.  Other doulas include this in their initial fees, while others do not provide this service at all.

Benefits of a doula

Studies have shown an increased chance of a positive childbirth.

Studies have shown new mothers who use a doula have a higher success rate with breastfeeding.

Your self-esteem will improve during the birth process.

Women have experienced lower blood pressure.

Less pain has been experienced if the proper techniques were used.

Doula vs. Midwife

A midwife is a trained medical professional through the Midwifery Education Accreditation Council.  A midwife is able to provide infant care, family planning, help with health care, birthing care and even prescribe medication.  A midwife will stay with the mother during her birth while she delivers the baby.  A doula, on the other hand, will be with you from the beginning.  She will support you during the early labor process and will only be a phone call away during the pregnancy.  While a doula won’t have medical training, he or she will be more experienced with the physiological process.  Basically, a doula will focus more on the emotional and physical support instead of the clinical approach like a midwife.

Questions to ask:

• What have you done in the past in terms of training?  Do you have the proper certifications?  If so, where are your certifications from?
• What are your fees like?  Can I get a schedule set of fees so that I know what I’m going to be charged?
• Are you going to be able to come to my home?  Do I need to go to you?   What is it going to be like when I’m in labor?
• Have you ever worked in a hospital?  Have you ever worked with doctors?
• Do you have any experience with complications such as twins, or high-risk births?  If this has happened in the past, what did you do to resolve the situation?
• What do I need to do in order to make this situation as smooth as possible?
• How easy are you to contact?  Are you available 24/7?  If possible, will I be able to contact you when I have questions?

Tips to know:

Make sure that the doula is certified through programs such as the DONA, CAPPA, ALACE or the ICEA.

Most medical insurance plans won’t cover a doula, but that doesn’t mean you shouldn’t call.  If you can’t pay out of pocket, consider looking into payment plans or even a flexible savings account that assists with medical issues.

Ensure that the doula has some sort of tie with a local hospital.  That way, if something does go wrong or you change your mind, the hospital will be there to assist you.

Make sure that a doula has a back-up just in case two of the same clients go into labor at the same time.  While this may be rare, it can happen.

Start looking for a doula during your fourth month.  This will give you enough time to interview each one to find one that suits your style.

Be sure to give your OB/GYN heads up before heading to the delivery room and let them know you’re bringing along a doula.  If your OB/GYN isn’t in favor of one, be sure to ask why.

The best place to find a doula is via cappa.net or dona.org.

How can I save money?

Start bartering with your doula.  Talk with at least three different ones in your area to see who can offer the best price for your money.

Set up a payment plan with your doula.  By doing this, you’re going to find that you’re going to be able to make smaller payments, not requiring a full payment up front.

Don’t be afraid to ask for discounts, especially if you have worked with a doula in the past.  You’ll find that repeat customers are more than likely to receive a discount.  The worst thing that they can say is, “no!”

While many insurance companies may not cover this process, it doesn’t hurt to call up.  Call up your insurance company to see if anything like this is covered.   There’s no standard reimbursement with most health insurance companies, but some states do have laws in effect.  For example, in 2014, Oregon because the first state to to pass legislation that requires Medicaid to reimburse for certified doula services.

How can I compare prices?

The best way to compare prices is to use services such as FindaDoula.com or Doulas of North America to help you find a directory of doulas in your area.  Making phone calls and asking questions, such as what services are included, is the best way to compare prices.  Be sure to ask about each doula’s experience as well!

Some doulas can also be found by word of mouth.  Ask other moms that you know to recommend a doula if they know of any.

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How Much Does a Lamaze Class Cost?

A Lamaze class can help pregnant women gain a better understanding of what to expect during the birthing process.  Lamaze teaches women how to cope with the emotional, psychological, and physical aspects of birth by focusing on breathing, position, massage, etc.  Although Lamaze is not a required class, it can have a great effect on the birthing process for the mother and father.

The method, which was developed by Ferdinand Lamaze, a French obstetrician, is used across the United States since 1950.  These classes remain as one of the most popular birth classes.

“Pregnant” (CC BY 2.0) by Frank de Kleine

How much does a Lamaze class cost?

The average cost of a Lamaze class is about $100 to $160 for about six weeks.  This cost can vary depending on where you take it (a hospital or a private facility) as well as the format of the class.  Some classes consist of a one-day 8-hour session while others can be a 6, 8, or 12-week courses which meet one night a week for about an hour per session.

While signing up for the shortest course or cheapest course may be more convenient, the 12-week courses, for example, can be a better option because there are fewer people in each class (meaning more one-on-one time with the instructor).  They can also be advantageous because you will have many more hours of class time, which in turn means you are learning more.

For example, Lamaze Classes are offered through LamazeNashville.com, a classroom located in Tennessee.  A 6-week course will cost $150, while a refresher course that lasts 2 weeks will cost $100.

Lamaze class overview

The purposes of these classes are to allow an expectant mother to deliver a normal, natural birth.  While these classes aren’t against drugs, it recommends techniques you can use.  These classes are often taught by registered nurses who have experience on the delivery floor.

According to babycenter.com, a normal Lamaze class should teach the expectant mother the signs of labor, the normal progress of labor and birth, techniques on how to cope with pain, and how her partner can help with the birth process.

Lamaze classes generally teach women proper breathing techniques as well as teaching partners some massage techniques to help the mother relax.

Some Lamaze classes, usually the longer 12-week courses, also provide information regarding birthing complications as well as breastfeeding and issues such as postpartum depression.

Each class should have about eight to 12 people in the classroom.

To find a Lamaze class near you, visit Lamaze.org and enter the appropriate information.

The topics covered

• Information in regards to the labor process.
• How the medical procedures work and what you can do to cope with each one.
• Relaxation techniques the mom can use during the birth.
• Helpful positions during birth.
• Methods that can help reduce pain.
• Effect breathing and massaging techniques.
• How to take care of the baby during the first few months.
• Effective communication skills.
• Breastfeeding techniques.
• How to react to any complications that may arise.

The Lamaze technique

1. Let labor begin on its own
2. Walk, move around and change positions throughout labor
3. Bring a loved one, friend or doula for continuous support
4. Avoid interventions that are not medically necessary
5. Avoid giving birth on your back and follow your body’s urges to push
6. Keep mother and baby together – It’s best for mother, baby and breastfeeding

NOTE:  The beliefs of Lamaze International can be broken up with their “Six Healthy Birth Practices”

What are the extra costs?

While most Lamaze classes include any equipment you may need for the class, there are some that charge extra.  Be sure to ask this when registering for classes.

Some Lamaze classes also offer books relating to the subject matter at an extra cost.

Tips to know:

Find a Lamaze class that offers all the aspects of pregnancy.  Some classes may only focus on one niche.  It’s best to get into a class that will offer lessons on all angles.

Take notes in class.  Bring a notepad and jot down some notes.  For example, if the class is taken in the hospital, a nurse may teach it from the facility.

Talk with other couples when taking the class.  Other couples are going through the same thing.  It may be a good idea to snag a phone number or two to talk when times are rough.  There’s also a good chance that you may see them during the pregnancy.

Even if you plan on having a cesarean section, it doesn’t mean you can’t take these classes.  Many hospitals recommend you take the class.

Consider taking the class when you’re at the 25 to 30-week mark.

While it’s not required, ask if the instructor is certified to teach.

Remember, if you’re going to take the class at a hospital, they will only teach you about their practices and the hospital setting.

How can I save money?

Check with your insurance company to see if any birthing classes are covered.

Some hospitals give discounts if you are planning to deliver there or if you sign up for multiple classes.  In fact, some hospitals even offer the classes for free.  Call up a few hospitals or even check out their websites for more information.

How can I compare prices?

The best way to compare prices is to call different hospitals in your area and ask what class sessions are available as well as what discounts and services are offered.

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How Much Do Adoptions Cost?

Because of the many different types of adoption, there is a very wide range of adoption costs.  Adoption can be done through the foster system, as a relative adoption (such as step-parents adopting a child), or a private or agency adoption.

How much do adoptions cost?

An adoption through the foster system usually has little to no cost and usually offers subsidies to the adoptive parents.

A relative adoption is also somewhat cost-free, with the exception of possible court fees or filing fees.  These are usually around $100.

A domestic agency can cost anywhere from $0 to as much as $3,000.  Most of these fees are going to include travel and attorney’s fees.

Agency and private adoptions can cost anywhere from $5,000 to $40,000 depending on a number of factors.  These factors include travel expenses, birthmother expenses, state requirements, etc.

Adoptions done outside of the United States can vary anywhere from $5,000 to $30,000.  This will include the processing, court and agency fees.

For instance, an adoption in South Korea can cost $33,000 to $40,000 to complete the process.  A country such as China can cost $22,000 to $29,000.

According to this AdoptiveFamilies.com article, the cost of adoption through an agency can cost $33,000 on average.  A newborn adoption with an attorney can cost $31,000, and an adoption through a foster family can cost $2,700.

In a nutshell, you will have to choose your adoption, select an agency, complete a home study and wait for placement.  Once the placement has occurred, you can finalize the adoption process.

AmericanAdoptions.com notes that traditional options will cost about $41,000 to $47,000, while agency-assisted programs will cost $34,000 to $38,000.

What are the extra costs?

In every type of adoption, a home study must be completed before a family can be approved for adoption.  For foster care adoptions, the cost for this is covered by the state.  For relative adoptions, this is not usually an issue since everyone involved is related.  In private or agency adoptions, however, the adopting family is responsible for these costs, which can range from $1,000 to $3,000.

All adoptions must also be finalized through the United States court system.  The court costs can be between $500 and  $2,000.  Foster care adoptions are going to have these costs covered by the state as well, and since a relative adoption will take much less work and time the court fees are much less.  Private and agency adoptions will be quite a bit more expensive.

With a private or agency adoption, the adopting family is usually responsible for the medical costs of the birth mother.  These costs can range from $5,000 to $15,000, depending on the area, type of insurance, and complication of birth.

With international adoptions, the cost will include travel expenses for the adopting family as well as the adopted child.  Costs will also include immigration fees and foreign court fees.

With private or agency adoptions, any complications with the pregnancy or birth will make the costs increase depending on the medical issue.

With agency adoptions, most money can be reimbursed in the case that the birth mother changes her mind.  In a private adoption, there is no guarantee of reimbursement.

Some private adoptions will require some advertisement to show interest in adopting.  These fees will be in addition to the normal adoption cost.

Additional fees to consider when adopting are the applications fees, a home-based study, supervision fees after the adoption has occurred and a psychiatric evaluation (if required).

For adoptions that are done outside of the country, be sure to factor in additional fees such as foster car stays, travel expenses and escorting fees if the parent won’t travel to the country.  Medical care may have to be provided while in the adoption center as well.

An attorney can charge $500 to $2,000 for the documentation process.  If the attorney has to represent you in court, the fees can easily pass the $3,000 mark.

Those who are having a hard time with adoption may want to consider advertising through various avenues.  Advertising will widely vary depending on the type of advertising that has been chosen.

Foreign country additional costs:

Travel expenses to and from the hotel.  Factor in transportation and food.

The placement fee with the foreign agency.

Medical care in the foster home.

In some countries that are deemed unsafe, transportation may be required to get from one point to another.

Depending on the court system, additional fees can apply.

Passport, visa and filing fees.

Factors that affect the price:

The type of adoption

There are many types of adoptions that include domestic and international.  Depending on the type, the price can greatly vary.

The geographical location

Even if the location is inside of the United States, the adoption process can vary from state to state.  Check with local state adoption agencies to get a better idea of what it’s going to cost.

Family income

Some adoption agencies can work with those on a lower income.   Depending on the agency, the overall cost may be based on the family’s income.

Special needs

Special needs children that are harder to adopt out can receive special state reimbursements for families that choose to adopt these children.

Tax Credits

Many states can offer tax credits to parents who meet certain requirements.

Tips to know:

Be sure that you always consider a licensed adoption agency.  These agencies can be researched through various state databases.

Be sure to know about the fees ahead of time.  Legitimate adoption agencies will be more than happy to lay out the estimates before the process begins.  While the cost won’t be spot on, it should be fairly close.

Get help from an outside lawyer when it comes down to reviewing contracts.  Never work with a lawyer that is affiliated with the agency.

Look into local state grants and tax credits.  There are a lot of them out there, so make sure that you take full advantage.

In order to have a home study completed, a criminal clearance will be required.  These criminal clearances will check your criminal background on both an FBI and state level.

Check your local laws as each state will have its own laws and policies.

The average wait between adoption and when parental rights are granted was 12 months in 2015.

Adoption books to consider:

The Complete Adoption Book: Everything You Need to Know to Adopt a Child — The ultimate guide for those who are looking to adopt.  This book has all the resources that you need in order to successfully adopt a child.

Twenty Things Adopted Kids Wish Their Adoptive Parents Knew — Working with hundreds of adoptive families, Sherrie Eldridge was able to explain what children wish their parents knew during the adoption process.

You Can Adopt: An Adoptive Families Guide — The definite guide to everything adoption.  This book is the ultimate resource to help you along the road of adoption.  Get the answers that you can’t find on the Internet.

How can I save money?

Although foster adoptions are the cheapest way to go, they are not always the most feasible.  However, the government does provide many tax benefits and incentives for adoptive families.  Information for these types of government grants can be found through the IRS.

There are many other organizations that can provide help with the cost of adoption.  Some of these include the gift of adoption fund and the National Adoption Foundation.

Many employers offer adoption assistance.  Check with your employer to see if any type of benefit is offered in this regard.

Most adoption agencies don’t expect you to pay the entire bill up front.  Inquire about payment plans to split up the payments.

Loans and grants are available to individuals and families who qualify.

Some airlines offer discounts to those who are flying for adoption-related activities.

The military offers active-duty personnel reimbursement for up to $2,000 per child.

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How Much Does Baby Formula Cost?

Although most experts still say that breastfeeding is best, they also say that formula is a perfectly acceptable substitute.  Many moms are unable to breastfeed for many different reasons, so formula may be the only option.  When planning to have a baby, the cost of feeding the child should be taken into consideration.

“baby-feeding-baby-bottle-by-pfly” (CC BY-SA 2.0) by  mahmoud99725

Cost of baby formula:

Store brand formula (which most doctors say is just as good as the name brand) usually costs about $12 for the larger can.  This will last about a week, depending on how many ounces your baby drinks per day.  The average baby will need about 4 cans per months, which equals about $50.

On average, it’s best to budget at least $3 to $5 per day.  This will all depend on the amount of baby formula your baby has to drink.  The older they get, the more formula they will require.

The pre-mixed formula that doesn’t need to be warmed up will cost an average of $4 to $6 per day.

A concentrate that comes in a can that needs to be mixed with water can cost $3 to $5 per day.

Powder in the cans can cost $3 to $4 per day.

Name brand formula, such as Enfamil or Similac, is usually about $23 for the larger can.  This will last about the same amount of time as the store brand, resulting in a monthly cost of about $100.

According to the Breastfeeding Center of Ann Arbor, you should be prepared to spend about $0.11 per ounce.

What are the extra costs?

If your child has digestive problems, is lactose intolerant, or needs soy-based formula for any reason, the monthly cost of formula will increase to about $65 a month for store brand or $125 a month for name brands.

Depending on where you live, you may need to buy distilled water to mix in the formula.  A gallon of distilled water is usually around $1 per gallon.

Baby bottles are required to hold the formula and water.  Depending on the brand of bottle, a bottle can start at $2.

Those who want to keep the bottles warm or sterilize them will find that a sterilizer can cost $20 to $55.

Factors that influence the price:

The amount of baby formula

The ounces listed on the container will greatly influence the price.  Common container sizes will include, 12, 25, and 33 ounces.

The brand

Store brands are commonly going to be cheaper than the name brands.  Since baby formula has to be both FDA and ADA approved, you can be assured that the formula will be very safe for your baby.  Local grocery stores and wholesale clubs such as Costco commonly carry their own brand that can cost 20% less.

The type

Organic brands are going to cost more than the generic brands.  Organic brands will only use organic ingredients with their powder blends.

Tips to know:

Powdered form is always going to be the cheapest.  If you’re on a budget, consider this type over the liquid.  When mixing powder based baby formula, always make sure that you use sterilized water.

Ready-to-feed formula will come mixed with everything include the water.  This type of formula is the most expensive but can be used straight from the bottle, making the preparation process very easy.

Before formula is poured into a bottle, always make sure that the bottle has been washed out with hot water and soap.  Always do this even if the bottle is brand new.

Recalls with formula can happen all the time.  Always make sure that you keep a close eye on them to make sure that your baby is drinking a safe formula.

Baby formula tends to be expensive since it’s a highly regulated product.  According to this DailyExpress.com article, “the FDA enforces the Infant Formula Act, which requires baby food makers to include more than two dozen vitamins and minerals in formula.”

How can I save money?

Once the formula is mixed it is only usable for up to an hour.  Therefore, if you are careful about how much you make you will have less waste, resulting in saving money.

All brands of formula are on sale from time to time, and coupons are also available for many different brands.  Some companies even have rewards programs, such as Enfamil Family Beginnings.

Check with local grocery stores and wholesale clubs to see inquire about their store brands.  These no-name store brands will be FDA approved, but the baby formula cost is at a lower price compared to the name brands.

Of course, breastfeeding can be a great option.  Not only will this help you save a lot of money, it’s very nutritious for your baby.  If you’re having a hard time breastfeeding your baby, consider talking with a local center.

Local government offers programs such as WIC.  Those who meet certain income requirements will find that the government will cover all baby formula costs.

Baby formula brands to consider:

• First Years
• Summer Infant
• Similac
• Gerber Good Start
• Enfamil
• Pathmark
• TopCare (sold at Big Y, Raleys, Schnuck’s and other supermarkets)
• Parent’s Choice (Walmart)
• Simply Right (Walmart)
• Giant Eagle Baby
• Bear Essentials (Weis Markets)
• Up&Up (Target)
• Giant
• Wegman’s
• Babies R Us
• Home 360 Baby (Food Lion, Sweet Bay and others)
• Comforts for Toddlers (Baker’s, Food 4 Less, Fred Meyer, Kroger and others)
• CVS
• Meijer
• Mom to Mom (Safeway, Vons, Randalls and others)
• Kuddles (Winn-Dixie)
• Walgreens
• Rite Aid
• LittleOnes (Kmart)
• HyVee
• Baby Basics (Albertsons, Cub Foods, and others)

How can I compare prices?

Unfortunately comparing prices also means comparing different formulas.  This can cause a lot of waste if your baby does not like the formula you chose to buy.  Most companies will send free samples by request. This allows you to be sure your baby will drink and digest the formula properly before you purchase a whole can of it.  However, it is not good for the baby to switch formulas very often, so try to find something that works and stick with it.

How to find baby formula coupons and samples:

Just about all baby formula brands will have a newsletter or club that you can join.  These signup forms can be found right on their main website.  When you sign up, they will send coupons, freebies and more.  Some examples include the Similac Welcome Addition, Nestle Good Start Program, and Enfamil Family Beginnings.

The local Sunday paper can have coupons, too.  Search for these coupons using online coupon databases or browsing through the SmartSource and RedPlum publications.

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How Much Does a Babysitter Cost Per Hour?

Whether you need a regularly scheduled babysitter or just a night out every once in a while, choosing a babysitter is a very important decision.  The price you pay them may have an effect on how they care for your children.

How much to pay a babysitter?

According to sitters.com, most babysitters are paid $8 to $11 per hour.  These babysitting rates can vary depending on a number of factors.  Generally the further outside a city you are, the less you have to pay per hour.

Many moms pay a flat rate per hour, plus an additional $1-$3 per extra child.  This means that for two children a babysitter may cost between $9 and $14 per hour.

Older children will need less care; therefore, older children may cost on the lower $8 end while young toddlers or infants who need more care will be on the higher $11 end.

SitterCity.com has a calculator that you can use to find out what the average babysitter over the age of 18 charges in your local area.  For example, a babysitter in the Detroit area would charge around $9.50 per hour to watch two children under the age of four.

ABCNews.com breaks down the costs in popular cities.  In New York City, for example, the hourly rate is about $15.34 for one child, while in the Seattle Metro area, it’s $12.80 for one child.

What are the extra costs?

If your child(ren) needs to be driven somewhere or picked up, it is sometimes good to provide gas money in addition to the hourly rate.

If a babysitter is CPR certified or has any other special skills, she may charge more per hour.

A babysitter that has to do more than babysitting, such as clean dishes and vacuum, may ask for an additional few dollars per hour.

Babysitters that have to stay overnight may just charge a flat fee for the entire night.  Since the workload may be less, the hourly rate could come down.

Factors that affect the price:

The age of the babysitter

Older babysitters are going to demand more money than a babysitter that is between the ages of 13 and 17 years old.

Experience

The more experience that the babysitter has, the more you’re probably going to pay for one.  Caregivers that have more than five years of experience can charge more than 20 percent on average.

The location

The further a babysitter has to drive, the more money one may demand.  It’s always best to find a babysitter that is within 10 miles of your home.  Also, the geographical location can play a role.  New York City is going to be more expensive than a town in the middle of New Mexico.

The number of children

The more children a babysitter has to watch, the more it’s going to cost.  Most nannies and babysitters will base their price on the number of children.

The age of the children

Older children are going to be a lot easier to watch than younger children under the age of 3, especially those that aren’t potty trained yet.

The job expectations

If you want the babysitter to do more than just babysitting, such as run errands, pick them up from school, or even do chores such as feed the dog, can add an additional $1 to $3 per hour.

Special needs

Children with special needs will require more involvement and care, which can lead to higher hourly costs.

Certifications

If you require CPR or First Aid certifications, these babysitters will often ask for 20% more.

Requirements

Babysitters that have first aid and CPR certifications can yield more money.

Tips to know:

It’s wise to pick out a babysitter that has the appropriate training such as CPR or even babysitting classes.  The American Red Cross offers babysitting classes for both young teenagers and older adults.

Always try to have the babysitter come to your home.  This way, the child knows of his/her surrounding.  If you must take the child to another person’s home that you’re not familiar with, you’re going to want to check for things such as cigarette smoke, pests, the cleanliness of the home, etc.

Make sure that the babysitter doesn’t smoke.  Even though one may smoke outside, the second-hand smoke can still be unhealthy to children.

Ask your friends, family and neighbors how much they pay for a babysitter and see what their responses are.  This will make sure that you’re not over or underpaying.

Questions to ask:

Do you enjoy working with children that are of all ages?  If not, what age groups do you like working with?

Are you good with enforcing rules such as bedtimes, and eating?

What do you usually do with children to keep them entertained?

Are you going to give them attention 100% of the time?

In the case of an emergency, who should I contact?  Are you able to get here on time with reliable transportation?

Do you have any sort of certifications?  If so, what do you have?

Babysitter hiring checklist:

Find your babysitter using online services such as Care.com or talk with neighbors for recommendations.

Schedule at least three to five interviews.  When interviewing, ask them the questions that were mentioned above.

A finalized candidate should meet your children.  Allow them to be comfortable to see what they think.

Ask for references such as an older employer.

Make an offer in terms of pay using the figures above.

Once hired, create a contact sheet in case of an emergency.  It’s also advisable to set the house rules for the children.

How can I save money?

Many families like to trade babysitting rather than pay for it.  Moms will agree to take turns watching each other kids for no charge.

If you are doing something with a group, it is sometimes beneficial to share a babysitter.  This way it becomes cheaper for each family.  However, the most children a babysitter should watch at a time is 4 or 5, depending on the age of the children as well as the location (a person’s house versus a child-proof nursery)

If you feel comfortable, ask a younger babysitter under the age of 14 to watch your child.  Girls between the ages of 11 to 14 will often be more than happy to watch a child for a few dollars an hour.  If going this route, just make sure that you only leave them unattended for a few hours at a time.

How can I compare prices?

The best way to compare prices is simply to ask other moms that you may know.  It is also good to choose a babysitter that you know or comes highly recommended from someone that you know.  Someone that your children already know, such as a person from your church or school, may also be a good choice.

Try websites such as Care.com to find a babysitter/nanny in your neighborhood if you don’t know where to find one.

The summer months tend to be the cheapest for a babysitter.  One of the main reasons is due to the fact that most are out of school.  Due to this great demand, babysitters can be hired for a low price.

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