No, that is the bare price. Insurance drops it more. For a recent baby, my price went from about $3500 down to about $1000 due to insurance, though we had to pr

No, that is the bare price. Insurance drops it more. For a recent baby, my price went from about $3500 down to about $1000 due to insurance, though we had to prepay more and we're still trying to get back some of the difference. Back when I had better insurance and lived in an expensive location, the full cost was covered by insurance. I've never heard of it being over $5000. I can imagine that an at-home birth in San Francisco might be that bad or worse, since the midwife needs to deal with the cost of living. The problem here is "depending on which hospital they visited". There is no need to involve a hospital (full of exotic infections) for a normal bodily function. That is why your cost is so high.