I recently got a really great question from a subscriber over on my YouTube channel, so I thought I would share it with you.

"I'm a few weeks behind you (in pregnancy), and in one of your videos you mentioned knowing just how much you'd be paying for hospital bills after insurance. How did you figure this out? We're wanting to prepare."

For those of you who didn't know I am expecting my THIRD baby boy due in March. And one of the things I can cross off my list is the cost of this baby's birth.

Insurance can be really complicated and pretty overwhelming but this is one time when the solution is a lot simpler than one might think. I simply asked my insurance company.

First I say down with the insurance coordinator at my OBGYN's office who told me what portion I would owe to the doctor.

It helps to simply ask. Then I called my insurance provider and they sent me a black and white breakdown of my copay for an average birth with two day hospital stay.

Then we set aside the average plus plus 20% (just in case something happens).

That is generally my rule: whatever the average, plus 20%. So that way, you can be prepared.

We knew in advance what our copay is. We have good insurance for the first time in years. It's actually paying a lot. It's expensive, but it is still going to be paying a lot. So we're not having to pay as much out of pocket.

This is a far cry from when I was pregnant with my first son. We were just beginning to pay off our debt and had very little money to our names. I wrote about that here.

If you want to follow along on my YouTube channel, head over here to subscribe.

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