Just some anecdotal data from my wife's pregnancy & delivery process and the costs/charges are just from her 2 days of hospital stay for her normal/vaginal deli

Just some anecdotal data from my wife's pregnancy & delivery process and the costs/charges are just from her 2 days of hospital stay for her normal/vaginal delivery without any complications. - The hospital (NJ if it matters) billed the insurance company $30,000. She was there for usual 48 hours. The insurance company has a thing called "Amount Allowed" which knocked it down to $5880. Then our share of co-insurance came to about 20% of that = $920. - For baby, separate hospital bill of $8779. amount allowed = $2,232, our share = $566 - The Anesthesia consultant billed separately for $3000, amount allowed = $1100 and our share = $220 - OBGYN billed $4200, amount allowed = $2800, our share = $560 - Newborn clinic charge = $375, allowed = $375, our share = $289 (deductible not reached) - Neonatology for baby - $590, allowed = $100, our share = $100 (deductible not reached) So here is total just for Labor/delivery/baby which was 100% normal without any complications. - total bill = $52,824 - Allowed by insurance = $12,487 - Our responsibility to pay = $2655 I get chills just to imagine if we did not have insurance.