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	<title>Comments on: Babies Are Expensive! Total Cost of Having A Baby</title>
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	<link>http://www.bargaineering.com/articles/babies-are-expensive-total-cost-of-having-a-baby.html</link>
	<description>personal finance blog with anecdotes, advice and commentary.</description>
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		<title>By: Eric</title>
		<link>http://www.bargaineering.com/articles/babies-are-expensive-total-cost-of-having-a-baby.html/comment-page-1#comment-327471</link>
		<dc:creator>Eric</dc:creator>
		<pubDate>Wed, 16 Sep 2009 14:47:51 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=3409#comment-327471</guid>
		<description>Currently paying over $600/mo just to add my wife to my works insurance.  They said $1300 with child!  Once the baby is born I&#039;m getting them on their own plan about $350/mo.  So actually cheaper after the baby.  The only reason for paying the excessive amount right now is it covers almost everything for birth minus $1000 deductible.</description>
		<content:encoded><![CDATA[<p>Currently paying over $600/mo just to add my wife to my works insurance.  They said $1300 with child!  Once the baby is born I&#8217;m getting them on their own plan about $350/mo.  So actually cheaper after the baby.  The only reason for paying the excessive amount right now is it covers almost everything for birth minus $1000 deductible.</p>
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		<title>By: Oscar</title>
		<link>http://www.bargaineering.com/articles/babies-are-expensive-total-cost-of-having-a-baby.html/comment-page-1#comment-302632</link>
		<dc:creator>Oscar</dc:creator>
		<pubDate>Mon, 27 Apr 2009 22:25:45 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=3409#comment-302632</guid>
		<description>Two questions:

did you had any nuchal translucency test? The physician request it but my insurance in no going to pay for it. I call different places and no word about price, jut ...come and get it because you need it, do not worry about the price. Any advice how to get the price?

Any advice how to deal with the cost and the insurance. We were trapped in the middle between the health provider and insurance and we could find a way to move it even that both understood that something was wrong. Each other say the culprit was the other.

Thanks,

Oscar</description>
		<content:encoded><![CDATA[<p>Two questions:</p>
<p>did you had any nuchal translucency test? The physician request it but my insurance in no going to pay for it. I call different places and no word about price, jut &#8230;come and get it because you need it, do not worry about the price. Any advice how to get the price?</p>
<p>Any advice how to deal with the cost and the insurance. We were trapped in the middle between the health provider and insurance and we could find a way to move it even that both understood that something was wrong. Each other say the culprit was the other.</p>
<p>Thanks,</p>
<p>Oscar</p>
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		<title>By: Vernica</title>
		<link>http://www.bargaineering.com/articles/babies-are-expensive-total-cost-of-having-a-baby.html/comment-page-1#comment-301154</link>
		<dc:creator>Vernica</dc:creator>
		<pubDate>Wed, 01 Apr 2009 23:59:09 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=3409#comment-301154</guid>
		<description>This is actually a GREAT article. I would have never thought of these expenses until the expenses comes and I have sickell cells. That mean hospital bills! It is top priority to my boyfriend and I in having a baby because he didnt have a father so he wants to be fully prepared from conception. We are saving and I will start my diet from now. I cant wait to read the article about babies expenses from age 1 to 18.</description>
		<content:encoded><![CDATA[<p>This is actually a GREAT article. I would have never thought of these expenses until the expenses comes and I have sickell cells. That mean hospital bills! It is top priority to my boyfriend and I in having a baby because he didnt have a father so he wants to be fully prepared from conception. We are saving and I will start my diet from now. I cant wait to read the article about babies expenses from age 1 to 18.</p>
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		<title>By: Danielle</title>
		<link>http://www.bargaineering.com/articles/babies-are-expensive-total-cost-of-having-a-baby.html/comment-page-1#comment-295356</link>
		<dc:creator>Danielle</dc:creator>
		<pubDate>Thu, 22 Jan 2009 03:38:04 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=3409#comment-295356</guid>
		<description>Yeah, price of having a baby changes where-ever you are.  

I used a midwife, insurance covered 80% I paid 20% which was about $1800 for all 9 months of care and the birth.  I had 3 ultrasounds, good thing we had insurance each one had a facility fee of $2000/visit and a doctor fee of $800/visit.  With our insurance we had to pay $150 total to to doctors and $300 for the facility fee.  3 ultrasounds cost almost $10000, which is more than my entire 9 months of care and delivery of my daughter.

I&#039;m glad I went the route I did, the average hospital birth in Washington state, out-of-pocket $100000, and thats with no extras or complications.

They say that once they&#039;re born a child costs you $200000 in 18 years.</description>
		<content:encoded><![CDATA[<p>Yeah, price of having a baby changes where-ever you are.  </p>
<p>I used a midwife, insurance covered 80% I paid 20% which was about $1800 for all 9 months of care and the birth.  I had 3 ultrasounds, good thing we had insurance each one had a facility fee of $2000/visit and a doctor fee of $800/visit.  With our insurance we had to pay $150 total to to doctors and $300 for the facility fee.  3 ultrasounds cost almost $10000, which is more than my entire 9 months of care and delivery of my daughter.</p>
<p>I&#8217;m glad I went the route I did, the average hospital birth in Washington state, out-of-pocket $100000, and thats with no extras or complications.</p>
<p>They say that once they&#8217;re born a child costs you $200000 in 18 years.</p>
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		<title>By: ConnieB</title>
		<link>http://www.bargaineering.com/articles/babies-are-expensive-total-cost-of-having-a-baby.html/comment-page-1#comment-293093</link>
		<dc:creator>ConnieB</dc:creator>
		<pubDate>Sat, 06 Dec 2008 18:55:59 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=3409#comment-293093</guid>
		<description>Thanks Michelle!

Congratulations on your first baby!!! How exciting. I hope that everything goes very well for you - I know it will.

Cheers,
Connie</description>
		<content:encoded><![CDATA[<p>Thanks Michelle!</p>
<p>Congratulations on your first baby!!! How exciting. I hope that everything goes very well for you &#8211; I know it will.</p>
<p>Cheers,<br />
Connie</p>
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		<title>By: Michelle</title>
		<link>http://www.bargaineering.com/articles/babies-are-expensive-total-cost-of-having-a-baby.html/comment-page-1#comment-292891</link>
		<dc:creator>Michelle</dc:creator>
		<pubDate>Fri, 05 Dec 2008 14:28:52 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=3409#comment-292891</guid>
		<description>Connie great advice.  I am currently expecting my first child and didn&#039;t account many of what you talked about.  It definitely was helpful and insightful.  I hope to offset some of my cost because my husband has very good insurance which pays 100% of the birth cost and I have a very supportive family and network of friends who are sharing the wealth of hand-me-downs.  I think my little one already has clothes and accessories up until the age of 8.  :)  Thanks for the great article.</description>
		<content:encoded><![CDATA[<p>Connie great advice.  I am currently expecting my first child and didn&#8217;t account many of what you talked about.  It definitely was helpful and insightful.  I hope to offset some of my cost because my husband has very good insurance which pays 100% of the birth cost and I have a very supportive family and network of friends who are sharing the wealth of hand-me-downs.  I think my little one already has clothes and accessories up until the age of 8.  <img src='http://www.bargaineering.com/articles/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' />   Thanks for the great article.</p>
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		<title>By: ken&#38;marie</title>
		<link>http://www.bargaineering.com/articles/babies-are-expensive-total-cost-of-having-a-baby.html/comment-page-1#comment-291342</link>
		<dc:creator>ken&#38;marie</dc:creator>
		<pubDate>Fri, 07 Nov 2008 21:53:44 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=3409#comment-291342</guid>
		<description>The cost of a misscarriage after 2nd month:

Prenatal visit: $500

Lab test: $600

Outpatient DNC (hospital &amp; Doc): $12,000

Prescriptions: $300

We did receive reimbursement for $11,000. The remainder was out-of-pocket.</description>
		<content:encoded><![CDATA[<p>The cost of a misscarriage after 2nd month:</p>
<p>Prenatal visit: $500</p>
<p>Lab test: $600</p>
<p>Outpatient DNC (hospital &amp; Doc): $12,000</p>
<p>Prescriptions: $300</p>
<p>We did receive reimbursement for $11,000. The remainder was out-of-pocket.</p>
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		<title>By: Connie</title>
		<link>http://www.bargaineering.com/articles/babies-are-expensive-total-cost-of-having-a-baby.html/comment-page-1#comment-279066</link>
		<dc:creator>Connie</dc:creator>
		<pubDate>Tue, 02 Sep 2008 01:19:11 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=3409#comment-279066</guid>
		<description>To Anna: Wow! That&#039;s wonderful that you had such good insurance - Who do you use? Lucky also to be able to trade those maternity clothes. I ended up donating some of mine to a friend too. It&#039;s nice to be able to trade out, and help where you can because things are so expensive.

To Student: You, know it really wasn&#039;t easy. Thankfully my husband and I make enough money that we could afford to do things like we did. If we had made less, then I would have borrowed anything I could, shopped at discount and goodwill stores, and certainly not eaten as well as I did. 

There are ways to do things cheaper, but as a parent (or at least many parents) we want out kids to have the best we can afford to give them. Especially while they are developing. That is why it is so important to get a good education, and even learn skills on the side that can make you some money. Money gives you choices, like my choice to eat organic food. And usually, the education brings the money! Thanks for your comment!</description>
		<content:encoded><![CDATA[<p>To Anna: Wow! That&#8217;s wonderful that you had such good insurance &#8211; Who do you use? Lucky also to be able to trade those maternity clothes. I ended up donating some of mine to a friend too. It&#8217;s nice to be able to trade out, and help where you can because things are so expensive.</p>
<p>To Student: You, know it really wasn&#8217;t easy. Thankfully my husband and I make enough money that we could afford to do things like we did. If we had made less, then I would have borrowed anything I could, shopped at discount and goodwill stores, and certainly not eaten as well as I did. </p>
<p>There are ways to do things cheaper, but as a parent (or at least many parents) we want out kids to have the best we can afford to give them. Especially while they are developing. That is why it is so important to get a good education, and even learn skills on the side that can make you some money. Money gives you choices, like my choice to eat organic food. And usually, the education brings the money! Thanks for your comment!</p>
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		<title>By: Student</title>
		<link>http://www.bargaineering.com/articles/babies-are-expensive-total-cost-of-having-a-baby.html/comment-page-1#comment-279040</link>
		<dc:creator>Student</dc:creator>
		<pubDate>Mon, 01 Sep 2008 23:47:26 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=3409#comment-279040</guid>
		<description>Well, I have a class assinment and we have to watch an egg. Yet this project may seem silly and unneccisary more kids who are teenagers are becoming pregnant. One of my daily questions was; List some of the expenses you as a parent would have before a baby would be born. Record the approximate cost of these items. So when I look on here I am truly wowed to see how much a baby must cost parents and to think that this is only in their younger years of birth to my guess of 1-2 years old. Wow, how do you do it?
-13 year old child-</description>
		<content:encoded><![CDATA[<p>Well, I have a class assinment and we have to watch an egg. Yet this project may seem silly and unneccisary more kids who are teenagers are becoming pregnant. One of my daily questions was; List some of the expenses you as a parent would have before a baby would be born. Record the approximate cost of these items. So when I look on here I am truly wowed to see how much a baby must cost parents and to think that this is only in their younger years of birth to my guess of 1-2 years old. Wow, how do you do it?<br />
-13 year old child-</p>
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		<title>By: Anna</title>
		<link>http://www.bargaineering.com/articles/babies-are-expensive-total-cost-of-having-a-baby.html/comment-page-1#comment-278808</link>
		<dc:creator>Anna</dc:creator>
		<pubDate>Mon, 01 Sep 2008 00:48:12 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=3409#comment-278808</guid>
		<description>I only had to pay a co-pay at my first prenatal visit, which was anywhere from 4-6 wks. pregnant w/my kids.  The rest was completely covered, ultrasounds, office visits, delivery, hospital stay, etc.

I was also lucky that 2 of my best friends are the same size as me and we all would pass maternity clothes to each other depending on who was pregnant at the time.  That&#039;s not to say I didn&#039;t buy any maternity clothes, because I did!

It&#039;s different for everyone, however, this is a great article!</description>
		<content:encoded><![CDATA[<p>I only had to pay a co-pay at my first prenatal visit, which was anywhere from 4-6 wks. pregnant w/my kids.  The rest was completely covered, ultrasounds, office visits, delivery, hospital stay, etc.</p>
<p>I was also lucky that 2 of my best friends are the same size as me and we all would pass maternity clothes to each other depending on who was pregnant at the time.  That&#8217;s not to say I didn&#8217;t buy any maternity clothes, because I did!</p>
<p>It&#8217;s different for everyone, however, this is a great article!</p>
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		<title>By: Connie</title>
		<link>http://www.bargaineering.com/articles/babies-are-expensive-total-cost-of-having-a-baby.html/comment-page-1#comment-278288</link>
		<dc:creator>Connie</dc:creator>
		<pubDate>Fri, 29 Aug 2008 17:47:22 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=3409#comment-278288</guid>
		<description>To Anon: Yes, I totally agree with supplemental medical insurance. We had insurance through my husband&#039;s job, but not through mine - that&#039;s part of the reason we had such high co-pays for the prenatal visits and the vitamins. 

To Jim: The food budget was 3 meals a day, + snacks, for two people, and pretty much everything was organic. It was extremely expensive, but worth it to me. I knew that my baby was getting the very best I could give her to grow on. It&#039;s hard to find both organic and non-gmo foods (genetically modified). 

To Matt: The total cost of having a baby definitely depends on your lifestyle. We got reamed on food expenses, but I was lucky that I did not have to pay a lot for clothing. I think we have a couple of upcoming articles on what things cost after the baby is born. I&#039;d love to have your opinion on those too.

Thanks for the great comments everyone :)</description>
		<content:encoded><![CDATA[<p>To Anon: Yes, I totally agree with supplemental medical insurance. We had insurance through my husband&#8217;s job, but not through mine &#8211; that&#8217;s part of the reason we had such high co-pays for the prenatal visits and the vitamins. </p>
<p>To Jim: The food budget was 3 meals a day, + snacks, for two people, and pretty much everything was organic. It was extremely expensive, but worth it to me. I knew that my baby was getting the very best I could give her to grow on. It&#8217;s hard to find both organic and non-gmo foods (genetically modified). </p>
<p>To Matt: The total cost of having a baby definitely depends on your lifestyle. We got reamed on food expenses, but I was lucky that I did not have to pay a lot for clothing. I think we have a couple of upcoming articles on what things cost after the baby is born. I&#8217;d love to have your opinion on those too.</p>
<p>Thanks for the great comments everyone <img src='http://www.bargaineering.com/articles/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
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		<title>By: Matt</title>
		<link>http://www.bargaineering.com/articles/babies-are-expensive-total-cost-of-having-a-baby.html/comment-page-1#comment-278173</link>
		<dc:creator>Matt</dc:creator>
		<pubDate>Fri, 29 Aug 2008 02:51:04 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=3409#comment-278173</guid>
		<description>I would say this number depends a lot on your lifestyle. My wife is currently pregnant and aside from a bigger house the biggest expense was her clothing. She works in a professional environment where she needs to maintain a certain dress code that she couldn&#039;t maintain with a growing belly. Unfortunately the clothing wasn&#039;t cheap and although I&#039;m sure some lower cost options existed this has been the one item that has been really expensive. 

Now the one thing I have to say we don&#039;t have to contend with medical bills in Canada which definitely helps. I wonder what the cost of actually having the child (not the pre-labor costs) are. What can an expecting parent and financially conscious person expect after the child is born?</description>
		<content:encoded><![CDATA[<p>I would say this number depends a lot on your lifestyle. My wife is currently pregnant and aside from a bigger house the biggest expense was her clothing. She works in a professional environment where she needs to maintain a certain dress code that she couldn&#8217;t maintain with a growing belly. Unfortunately the clothing wasn&#8217;t cheap and although I&#8217;m sure some lower cost options existed this has been the one item that has been really expensive. </p>
<p>Now the one thing I have to say we don&#8217;t have to contend with medical bills in Canada which definitely helps. I wonder what the cost of actually having the child (not the pre-labor costs) are. What can an expecting parent and financially conscious person expect after the child is born?</p>
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		<title>By: Jim</title>
		<link>http://www.bargaineering.com/articles/babies-are-expensive-total-cost-of-having-a-baby.html/comment-page-1#comment-278133</link>
		<dc:creator>Jim</dc:creator>
		<pubDate>Thu, 28 Aug 2008 21:25:02 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=3409#comment-278133</guid>
		<description>Thanks for the interesting article.   My wife and I plan on having children before long so this is good information for me.

I notice half your costs are in food alone and you spend quite a lot there.   I&#039;m a little curious on how that broke down:   You spent an extra $7200 in a 12 month period on food?   Thats about $20 a day in additional costs on top of what you normally spend.   Your before baby budget was around $300 a month.   So you spent $30 a day on food??    Is that just for 1 person or does it cover 2 people (you say &#039;our&#039; and &#039;we&#039; about the food budget).

Jim</description>
		<content:encoded><![CDATA[<p>Thanks for the interesting article.   My wife and I plan on having children before long so this is good information for me.</p>
<p>I notice half your costs are in food alone and you spend quite a lot there.   I&#8217;m a little curious on how that broke down:   You spent an extra $7200 in a 12 month period on food?   Thats about $20 a day in additional costs on top of what you normally spend.   Your before baby budget was around $300 a month.   So you spent $30 a day on food??    Is that just for 1 person or does it cover 2 people (you say &#8216;our&#8217; and &#8216;we&#8217; about the food budget).</p>
<p>Jim</p>
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		<title>By: Anonymous</title>
		<link>http://www.bargaineering.com/articles/babies-are-expensive-total-cost-of-having-a-baby.html/comment-page-1#comment-278130</link>
		<dc:creator>Anonymous</dc:creator>
		<pubDate>Thu, 28 Aug 2008 21:12:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=3409#comment-278130</guid>
		<description>The time to consider whether you need supplemental medical insurance is BEFORE you get pregnant.  Please put it on your to-do list.  Don&#039;t assume that you won&#039;t have any issues and they won&#039;t be costly.  You never know.</description>
		<content:encoded><![CDATA[<p>The time to consider whether you need supplemental medical insurance is BEFORE you get pregnant.  Please put it on your to-do list.  Don&#8217;t assume that you won&#8217;t have any issues and they won&#8217;t be costly.  You never know.</p>
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		<title>By: Connie</title>
		<link>http://www.bargaineering.com/articles/babies-are-expensive-total-cost-of-having-a-baby.html/comment-page-1#comment-278121</link>
		<dc:creator>Connie</dc:creator>
		<pubDate>Thu, 28 Aug 2008 20:28:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=3409#comment-278121</guid>
		<description>To Mimi - oooh good point. I did forget that! Our insurance went up about $140 a month. We just made a change this year to a policy that lets our preventative care be free, so thankfully, no more paying for shots.

Thanks for your comment!</description>
		<content:encoded><![CDATA[<p>To Mimi &#8211; oooh good point. I did forget that! Our insurance went up about $140 a month. We just made a change this year to a policy that lets our preventative care be free, so thankfully, no more paying for shots.</p>
<p>Thanks for your comment!</p>
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