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2 nights at the hospital for delivering a healthy baby may cost $50k-$100k to the insurance for healthy baby and mom. The fact that hospital/physicians charge

2 nights at the hospital for delivering a healthy baby may cost $50k-$100k to the insurance for healthy baby and mom. The fact that hospital/physicians charge as much and insurance accepts to pay is not due to some unhealthy habits or chronic diseases in the US. Edit: of course your point stands and the higher rate of chronic diseases makes it worse.

war1025 6y ago
> 2 nights at the hospital for delivering a healthy baby may cost $50k-$100k to the insurance for healthy baby and mom. Maybe I'm misremembering, but we had a ridiculous high deductible ($10k?) when we had our first kid, and I don't think we met it. That said, I complain about the price of healthcare and insurance to anyone who will listen, and I hope someday it gets sorted out. So far the only solution I've found is to get a better paying job, which isn't a solution for most people.
- throwawayiionqz 6y ago
  Private hospital in NYC: Just the hospital "room and board" line is north of $40k: $13k per night of "enhanced nursery" for the newborn and around $10k per night for Mom. That's before all the doctors add their services. No idea how you can make it lower than $10k :) Where was that?
  - war1025 6y ago
    Iowa. I think the base rate here is about $1k / night. Could be wrong on that though. Our oldest is four and half now, so it's been a while. It's possible I just didn't read the bills correctly. Either way I'm sure it was less than what you describe.
  - lotsofpulp 6y ago
    My experience in one of the most expensive suburbs of NYC, at the most highly rated hospital in the state, a baby with standard 2 night stay and delivery and no complications cost $20k or so all together with about $5k out of pocket on a gold HSA plan a couple years ago.
    - throwawayiionqz 6y ago
      We only paid $6k from HSA (maxing out the out-of-pocket) but that Mt Sinai hospital charges $80k (after adjustments) and the insurance pays the rest. I should add there was a C-secyion that barely added $10k to the bill. I know, couldn't believe it either

war1025 6y ago

> 2 nights at the hospital for delivering a healthy baby may cost $50k-$100k to the insurance for healthy baby and mom. Maybe I'm misremembering, but we had a ridiculous high deductible ($10k?) when we had our first kid, and I don't think we met it. That said, I complain about the price of healthcare and insurance to anyone who will listen, and I hope someday it gets sorted out. So far the only solution I've found is to get a better paying job, which isn't a solution for most people.

throwawayiionqz 6y ago
Private hospital in NYC: Just the hospital "room and board" line is north of $40k: $13k per night of "enhanced nursery" for the newborn and around $10k per night for Mom. That's before all the doctors add their services. No idea how you can make it lower than $10k :) Where was that?
- war1025 6y ago
  Iowa. I think the base rate here is about $1k / night. Could be wrong on that though. Our oldest is four and half now, so it's been a while. It's possible I just didn't read the bills correctly. Either way I'm sure it was less than what you describe.
- lotsofpulp 6y ago
  My experience in one of the most expensive suburbs of NYC, at the most highly rated hospital in the state, a baby with standard 2 night stay and delivery and no complications cost $20k or so all together with about $5k out of pocket on a gold HSA plan a couple years ago.
  - throwawayiionqz 6y ago
    We only paid $6k from HSA (maxing out the out-of-pocket) but that Mt Sinai hospital charges $80k (after adjustments) and the insurance pays the rest. I should add there was a C-secyion that barely added $10k to the bill. I know, couldn't believe it either