And since I am having another baby in a few weeks I plan on doing it again. Now granted our financial situation has changed a lot in the 17 months since our son was born.
My husband has a better paying job. We have better insurance and we have built up our savings.
But I still get questions from readers in similar situations we were in asking for tips.
I got this email from a reader:
We are planning to do this with our first child and hope we don't have to do it for the others that follow but because of the circumstances at this time it seems it will be unavoidable for baby number 1. How did you go about talking to the hospital about paying cash? Any tips for who in the hospital to talk to and maybe specific questions to ask? Approximately how much should we expect to pay out of pocket? Any specific tips for avoiding unnecessary costs while at the hospital? For now, that's all I have but I may have more later. Thanks for answering! :)
I am certainly happy to answer this reader (or any reader if you want to shoot me an email!).
Sometimes these situations are unavoidable. I hope this is an easy process for anyone going through this. Know that as a new mom, you will be in my prayers.
Note: We did have insurance, it was just really, really, really bad insurance. Our bills reached five digits fast. Because we paid our bill when it was due instead of paying in installments we paid about 20 percent less. Yes, that is a lot. And yes, it is a LOT to pay out of pocket.