Having a baby can be an exciting time, but what happens if you're looking forward to the hospital / doctor bills, and you realize that you don't have insurance that is going to cover this. What many people find out is that just because you have insurance, it doesn't mean that you're going to be covered. Most insurance companies are going to put waiting periods on their plans. This will prevent you from getting pregnant, adding yourself and then taking yourself off.
What to do if you don't have insurance:
Check with the state - If you're below a certain income level, you will find that you may qualify for some sort of state aid. You will want to take with your state's health department to see what they can do for you. Again, you will have to meet certain requirements, in order to get approved for programs such as these.
Do cash discounts - If you don't have insurance, that's okay, but it's highly recommend you get it in the future, as it will save you $1,000s. What you will find out is that once your bills are all said and done, you can usually get a discount if you pay by cash, or a credit card over the phone.
Looking at the cost of a baby delivery:
What you're going to find out is that there are a few factors that you're going to have to consider, and I will talk about them below. Each one will heavily influence your final price.
How are you going to deliver? Is this going to be a vaginal birth, or will it be a cesarean section? If you choose to have the c-section, you're going to pay 2-3 times more, but of course, you can't help it if the doctor needs to do it at the hospital itself.
NICU - If your child has complications at birth, and you find your baby in the NICU, this can be awfully expensive without insurance. You will pay anywhere from $3,000 to $5,000 a day, just to have your child there.
In the end, a natural delivery is going to cost around $8,000 - $15,000 if you have no complications. A c-section will cost around $11,000 to $25,000. Again, if your baby has complications, the bill can reach six figures in no time flat. Every bill will be different, but you will find that if you talk with a hospital, they will be able to help you with whatever pricing questions you may have.