What’s driving up childbirth costs and how families can plan ahead

(InvestigateTV) — For many families, the joy of a new baby can also come with unexpected costs before and after delivery.

The estimated out-of-pocket costs for most mothers are $2,700 with insurance, according to Erin McKay, managing director of health justice at the National Partnership for Women & Families. Without insurance, those costs are typically $19,000.

McKay said the financial challenges facing parents having a child is something many families are running into.

“Nothing in the health care system is simple. But the two main reasons that I keep coming back to with regard to the high costs of childbirth are because we are paying for care that does not improve care for moms and babies, and a scarcity of reproductive and maternal health care drives up costs,” McKay said.

She said the costs can also keep climbing after the baby arrives, as some parents need follow-up care and support.

“So, maybe you need to see a physical therapist to improve function or reduce pain. Or maybe a mom is struggling with postpartum depression and is seeing a therapist or getting medication,” McKay said.

From a policy standpoint, McKay said one way to help could be investing in additional maternity care options, like midwives and doulas, as part of a broader care team.

For families planning ahead, she said to ask questions early, confirm what your plan covers, make sure your providers are in-network and request estimates so there are fewer surprises later.

McKay also said bills can sometimes include mistakes, so check your statements carefully after the baby is born. If you cannot get clear answers from the billing office, ask whether the hospital has a medical social worker or an ombudsman who can help you review the charges and your options.