Category Archives: People

How Much Does The Average Wedding Cost

Getting married is pretty expensive these days. Even the average American wedding costs a lot of money! Read on and find out how much does an average wedding cost these days.

Typical Cost Of An Average Wedding

The cost of an average wedding these days ranges from $25,000 to $30,000.

Included In The Price Of Our Average Wedding Estimate

The price includes almost everything there is to get for the wedding such as the ceremony fees, location fees, wedding cake, flowers, foods and drinks, DJ or live band, wedding photography and videography, wedding attires, wedding favors, and transportation.

How Much Do Weddings Cost Per Wedding Essential?

Here is a detailed list of how much you have to spend on each wedding essential from ProfessorsHouse.com depending on your budget:

Food 40%
Reception 7%
Attire 10%
Flowers 8%
Photography/Videography 12%
Music 8%
Invitations 4%
Favors 3%
Rings 5%
Ceremony 3%

Following this budget distribution can very well guide you into your wedding expenses. Whether your budget is $20,000 or $30,000, you can be certain that everything will be covered. However, take note that the lower your budget is, the lower your budget for each of the item is. This means that you must watch your choices in terms of quality and design to make sure you won’t go over your set wedding budget. This tells you that you cannot choose the same wedding dress for a $20,000 and $30,000 wedding. Somehow, your dress for a $20,00 wedding must be cheaper. However, you can make other adjustments on the percentage distribution to personalize this wedding budget guide.

Consider These Factors

Number of guests. The size of the wedding greatly affects the overall cost of the event. The more your guests are, the higher the expenses can become. Let’s take the foods for example. A plate is usually priced $40. If you have 100 guests for the wedding, the budget for the food alone is $4,000. This is without mentioning yet that the more guests you have, the more you have to spend on the favors, decorations, and the like.

Geography. Your geographical location can very well tell how much does it cost to get married. Big cities like Chicago, Los Angeles, and New York can have a different price definition for the cost of an average wedding. With the high cost of living in big cities, the cost of nearly everything there is higher as compared to smaller towns and cities.

Quality of your choices. The choice of wedding decors and accessories can greatly affect the price of an average wedding. If we take a look at the wedding centerpieces alone, the cost can be very different. If you choose fresh flowers over silk, the price difference can be seen right away. The same is true for the wedding dress. Some brides spend thousands of dollars on the dress alone but there are wedding dresses that can be purchased cheaply as well.

Additional Costs

Additional costs fall on invitations for the wedding. This can also be true for ceremony programs, guest book, reply cards, reception menus, save the date cards, table cards, and thank you cards.

A wedding planner or consultant can also add up to your wedding expenses. The price of a full service can be a couple thousand of dollars.

Pampering services for the bride and groom can be an added cost as well. This includes gym memberships, facial service, hair service, makeup service, manicure and pedicure, massage, and the like. The price can go higher if you include not only the couple but as well as their parents, bridesmaids, and other important guests for the occasion.

Gratuities may mean 15 to 20 percent of the total cost of a specific service. Even the wedding venue can charge for it. Other people to think about service charges are the wedding planner, the caterers, the photographer, and the like.

Wedding Rings
Photo by johnheppolette

Tips Before You Decide On Things Related To Your Wedding

My Wedding Reception Planning lists down the average cost of everything that a wedding entails to help you calculate the cost of your wedding. The details here include the number of guests, attire and accessories, entertainment, decorations, gifts, favors, and so much more.

Use the wedding cost calculator from ProjectWedding.com and YourWeddingCompany.com to help you plan your wedding and stay on your budget. This wedding cost estimator, on the other hand, will give you a near estimate of the total cost of your wedding depending on your location and the personal choices you make for your wedding.

Make a wedding checklist to help you plan every detail of your wedding. This is very important for you to personally see especially if you do not have the services of a wedding planner.

Compare prices of most of your orders for your wedding and go for the one with a good price without compromising the quality. This is true for almost everything including the food and drinks, cake, dresses, reception venue, wedding planner, and the like. The Bridal Guide has a list of cost-cutting tips to help you save more on your wedding expenses.

How Much Does In Vitro Fertilization Cost

An in vitro fertilization (IVF) can be the answer to pregnancy problems of one or both partners. Literally, “in vitro” is a Latin phrase that means “in glass.” This procedure involves gathering eggs from the ovaries and mixing them with a sperm in a laboratory dish. The fertilization takes place in the glass dish in the laboratory; hence, the name test tube baby was born. According to the Centers for Disease Control and Prevention, over one percent of all the infants born in the U.S. yearly are conceived using this technology.

However, the cost of IVF is not low. The question of how much is IVF has been asked by many couples who are getting hopes for this kind of procedure. This article will discuss how much does IVF cost.

Typical Cost Of IVF

The usual cost of IVF ranges from $10,000 to $15,000 for one cycle.

Included In The Price Of IVF

The price includes one cycle of IVF, which means reproductive cycle monitoring, administering of drugs, harvesting eggs and sperms, fertilizing them in a laboratory, and implanting them to the uterus. This also includes all laboratory and professional fees.

Consider These Factors

Age. Take note that IVF is not always a successful venture. Usually, the success rate falls down when a woman becomes older. Those who are under 30 have one in four chances of success with this technology while women over 40 have one in ten chance of success.

Number of IVF cycles needed. Gaining success in IVF is not usually a one-shot basis. At times, couples undergo multiple IVF cycles to successfully conceive a baby. There are lucky women who successfully conceive after one IVF cycle but other women may need to undergo two to six cycles to succeed. Unfortunately, there are some women who are unable to conceive despite multiple IVF cycles. If the average cost of IVF is $12,500, you’ll spend $25,000 for two cycles and the price goes higher the more IVF treatment cycles you undergo.

Payment and refund programs. Some fertility clinics offer payment programs that make the treatment more affordable for you. Others have refund programs where you are required to pay $20,000 to $30,000 but the clinic will refund some of your money in case you don’t get pregnant after three to four IVF cycles.

Additional In Vitro Fertilization Costs

Additional assisted reproductive technologies in line with IVF cost extra. This includes treatments like ICSI, assisted hatching, pre-implantation genetic diagnosis (PGD), in vitro maturation, and the like. An ICSI treatment may be around $1,000 to $1,500 while PGD can cost $3,000 or more.

Embryo freezing can also add up to the cost of IVF. This involves initial freezing and storage of good quality embryos that can be used in the future.

Getting an egg or sperm donor can also mean an additional cost. An egg donor can be priced from $25,000 to $30,000 per cycle while a sperm donor can be $13,000 to $17,000 per IVF cycle.

cost of in vitro fertilization
Photo by ~Prescott

Tips Before You Consider IVF

Understand that IVF is not for everyone. Talk with a medical professional regarding this option and see your chances of success. The Baby Center website has a complete line of information regarding IVF including how it’s done, the treatment process, the success rate, and pros and cons.

Make sure to get a qualified professional to help you with the procedure. IVF.net lists all clinics around the world that specialize in IVF. Take note that choosing a good clinic and physician to do the job for you can increase your chances of safety and success with this treatment method. Infertility Resources for Consumers also has a wide database of infertility IVF clinics all over the United Sates. Parents.com, on the other hand, lists the 10 best fertility centers today.

Before signing up with a fertility clinic, make sure you have a written copy of the inclusions and terms and conditions of the IVF procedure. This is especially true if you are getting payment or refund programs in line with the IVF treatment.

Not all insurance plans provide coverage for IVF treatments. However, 15 states in the U.S. mandate infertility insurance coverage that can help you manage the cost of IVF. GrowingFamilyBenefits.com lists all the states and their laws mandating infertility insurance coverage.

Average Wedding Dress Cost

Congratulations on your upcoming wedding! You surely are wondering how much the cost of a wedding dress is. Well, you are on the right page. We’ll give you an idea on the average cost of a wedding dress including factors that can affect its price and some shopping tips as well. Dig in!

Typical Cost Of A Wedding Dress

The average cost of a wedding dress is $1,500.

This is according to the U.S. wedding statistics and market estimates as provided by the Bridal Association of America.

Included In The Price Of A Wedding Dress

The price includes the dress, its design and in some cases, alterations.

Consider These Factors

  • Type of dress. The price of a wedding dress can go lower or higher depending on the type of dress you choose. For instance, you can get low-end wedding dresses for less than $200. This refers to an off-the-rack synthetic fabric cream or white evening dress. You can also find mid-range wedding dresses for $500 to $1,000 for a custom-made or off-the-rack wedding dress with simple details of beading and lace from a bridal boutique or a chain bridal retailer. Designer dresses, on the other hand, can cost you $2,000 to $6,000. Designer wedding dresses are usually made from silk or natural fabric.
  • Off-the-rack or custom? Take note that a wedding dress that is custom made just for you is far more expensive than off-the-rack items. Say for example you choose a designer dress. Here, you have to pay $2,000 to $4,000 for a dress that is already in the catalog and the designer will make one based on your measurements and be sent to you. On the other hand, a custom-designed designer wedding dress can cost $6,000 or even more. The designer will make sure that the gown will fit you precisely and most of the details you wish on the dress will be done by hand for you.
  • Designer. Your wedding dress will cost extravagantly if done by a very well-known designer.
  • Details. The simpler your wedding dress is, the cheaper it will go. If your choice involves intricate details like beading and embroidery, you can expect the price to go higher.
  • Fabric. Your choice of fabric will usually affect the price of your wedding dress. Synthetic fibers are the cheapest and silk can be the most expensive.
  • Time frame. In most cases, wedding dresses must be ordered two or more months ahead of time. If you order a dress and get it less than two months from the order date, the designer can charge you for a rush fee of 10 to 25 percent more of the price of the dress.

Additional Costs

  • Alterations. Unless you get a dress that is custom-made for you, you may have alterations to pay for so that the dress will fit your perfectly and comfortably. A simple alteration can cost you around $20 only while other labor-extensive alterations can cost you a hundred dollars or more.
  • Shipping. If you have ordered the dress somewhere far, expect to cover the shipping charges for the dress.
  • Special undergarments. If your dress will require an undergarment, you may need to consider adding them to the cost of the dress unless you already have them with you. Most of the time, you need to get a strapless bra or a body-slimming garment.
  • Preservation. After the wedding, you may want your dress to undergo a wedding gown preservation to keep it in its perfect shape and condition. Wedding dress preservation costs around $150 to $500.

Tips Before You Buy A Wedding Dress

  • Before you shop for a wedding dress, know the perfect kind of dress for you. RealSimple.com has an article to help you choose the perfect wedding dress for your body type and shape. Consider this article as well from Wednet.com to guide you in choosing your wedding dress.
  • Plan on your budget for your wedding dress and try to stick with it. A lot of brides often go shopping and choose a dress that is way over their budget. To avoid things like this, better be strict with your budget and only look for dresses that fall inside your budget range.
  • Shop several months in advance to help you get the most perfect wedding dress. Shopping close to the wedding date will only give you a bad choice and most of the time, an expensive one.
  • The Wedding Style Magazine has a good catalog of all great bridal dresses from various designers today. Designers featured here include Monique Lhullier, Vera Wang, Ian Stuart, Amy Kuschel, Alexander McQueen, and many more.

Average Wedding Photographer Cost

You only get to be married once and so you must make sure you preserve all memories until the very end. A good professional wedding photographer can be your ticket towards a long-lasting memory for this very much special occasion in your life. However, you must take note that a wedding photographer may add up to your overall wedding expenses. But still, every penny you pay for this service is worth all the memories that will last a lifetime. Read on and find out the average cost of a wedding photographer.

Typical Cost Of A Wedding Photographer

The average cost of a wedding photographer is $300 per hour.

Included In The Price Of A Wedding Photographer

The price includes the time and services of a photographer per hour. In some cases, the price includes a limited number of prints.

Consider These Factors

  • Budget. You have to take note of your budget when getting a wedding photographer. You can find perfect photographers in four different categories such as budget, mid-range, upper mid-range, and high end photography. For instance, a budget photographer may offer one to four hours of coverage, photo album, and printable images in under $500. High end photographers, on the other hand, can cost $3,000 or more that include unlimited coverage, three photographers to shoot at different locations, albums, and photo books.
  • Time. How long do you need the services of the wedding photographer? The longer you need him, the higher the actual cost can become. A budget photographer offering $150 per hour can still cost you more than a thousand dollars if you need his services for more than eight hours.
  • Number of photos. How many printed photos do you want to be a part of the wedding album and the loose prints? Generally, the more photos you want, the cheaper the price of each photograph becomes.
  • Kind of album. If you are getting a package from the photographer, you are expected to receive an album. The kind and quality of the album you want for the wedding pictures can affect the end price of the wedding photographer’s services.
  • Photographer. The experience, skills, and credentials of the wedding photographer can affect the prices of your wedding photography. Amateur photographers price their services cheaply while experienced and skilled photographers can price their services higher depending on the credibility and reputation they have already earned.

Additional Costs

  • Video. If you want videos of your wedding, you may need to invest more. Some photography services can also get you a videographer. The price can range from $400 to $1,000.
  • Additional services. Wedding photographers offer additional services that are usually not included in their packages. This includes framed prints, folder prints, DVD slideshows, thank you cards, and the like.

Tips Before You Decide To Get A Wedding Photographer

To help you get an idea on how much your wedding photography expenses will cost, use this online wedding calculator from AdamReadingPhotography.com.

Make sure to get a very reliable and experienced wedding photographer because the quality and success of your wedding photographs will depend on your choice of photographer. You can ask for references from your family and friends who have hired photographers before. Take note, however, that a professional wedding photographer is not only skilled in taking shots but also has a good character. He must be friendly and trustworthy, not to mention yet reliable especially when it comes to punctuality and deadlines. Read this article on choosing the best wedding photographer as posted in WeddingPhotographyDirectory.com.

The International Society of Professional Wedding Photographers can also help you find a good photographer near you. Or, you can use FindAWeddingPhotographer.net for a directory of wedding photographers in the U.S.

If you are on a budget, there are several ways on how to save money on wedding photography. StreetDirectory.com lists nine ways to help you save money.

Before you close a deal with any wedding photographer, make sure to get a written documentation of the contract including the services you can get out of what you will be paying him for.

How Much Does A Wedding Cake Cost

A wedding cake is more than just tradition in every wedding reception. It also is a centerpiece that can make or break the celebration. This is why many of brides and grooms out there are looking for the best cake for the occasion. Read on and find out how much a wedding cake costs these days.

Typical Cost Of A Wedding Cake

2-tier cake: $160 to $450

3-tier cake: $500 to $1,000

4-tier cake:  $1,000 to $ $1,500

5-tier cake:  $1,500 to $2,000 or more

Included In The Price Of A Wedding Cake

The price includes the wedding cake, its icing, and decorations.

Consider These Factors

  • Icing or frosting. There are various options for frostings and icings for the wedding cake. This includes milk chocolate, dark chocolate, marzipan, white chocolate, royal icing, fondant, chocolate ganache, and butter cream. Take note that among these options, fondant and marzipan are the most expensive because it takes more time to perfectly smooth such frostings. Hence, choosing these frostings or icings may mean that your wedding cake will be on the more expensive end. Fondant, chocolate ganache, and marzipan icings often adds up $1 per slice to the cost of your wedding cake.
  • Decorations. Because butter cream and other ordinary icings can be designed easily, they are cheaper. Fondant and marzipan can be decorated in detail and so they are more expensive. For those who are trying to go for cheaper wedding cakes, fresh or silk flowers and ribbons can be good options as decorations.
  • Layers. It is to be noted that the more tiers or layers your cake has, the more expensive it is.
  • Size. The bigger your cake is, the bigger the cost of the cake is.
  • Shape. Round-shaped and square-shaped cakes are the cheapest of all shape options. If you need a very detailed novelty cake, the price can go higher.
  • Servings. How many guests do you have for the occasion? The more slices you need, the more expensive your cake will be. This is true because most bakeries price their cakes per slice. Low-end cakes can be priced around $1.50 per slice, mid-range cakes can be priced around $5 per slice, and high-end cakes can run from $10 per slice.
  • Topper. There are various selections of cake toppers these days as well including flowers, photo frame, heat shape, and more. If you go for a unique and customized topper, the price can be higher.

Additional Costs

  • Assembling fee. Especially for multi-tiered cakes, the baker needs to deliver the cake himself to the location and assemble the cake on site. This is practiced often to prevent cake mishap during delivery. Assembling fee can cost $50 to $100.
  • Delivery. Delivery charges apply but the cost depends on distance of your wedding reception from the store.
  • Cutting fees. There are some caterers that charge for the cake cutting. This can mean an additional $1 or more per slice.

Tips Before You Decide to Buy A Wedding Cake

When shopping for your wedding cake, always make sure that the baker can be trusted. Find several bakers of your choice through references and research. When you visit each bakery, check their portfolios to see for yourself how well they do in the business.

Schedule cake tastings from several bakers. Keep in mind that it is not only the price that it important here but the taste as well.

To find a bakery near you for your wedding cake, use WeddingCakesAcrossAmerica.com for your search. You can also check CakeAmerica.com for pictures, pricing, and other information on hundreds of wedding cake options for you. You can also get ideas on cake designs and decorations at Brides.com.

You can also check these tips on how to save on the cost of your wedding cake at YourWedding101.com.

How Much Does It Cost To Tune A Piano

It is true that tuning a piano does not need to be done as frequent as compared to some instrument like guitars. However, most piano owners do not have the skills to tune a piano themselves. It is quite a bit of work, as there are many keys and each key strikes 2 or 3 strings simultaneously. Therefore, from time to time a piano needs professional tuning to maintain the quality of its tone and pitch. Experts suggest that a piano be tuned around two to three times annually. Read on and find out the piano tuning costs.

Typical Cost Of Tuning A Piano

The average cost of tuning a piano is $60 to $150.

Included In The Price Of Tuning A Piano

The price includes the service fee for the technician coming over as well as the tools he use for the tuning.

Consider These Factors

  • Tuning expert. The cost of tuning a piano is usually determined by the fees asked by the expert. This depends on his reputation, skills, and experience in the line of work. An expert who has a good track record of tuning professional pianos can charge higher than the normal rate.
  • Condition of the piano. A piano that has not been tuned for years can mean more things to be taken care of. Hence, the piano tuning cost can be higher than normal. This can be explained because of the fact that the tuning professional may require more time to do the tuning as compared to a piano that is in good condition.
  • Location. An area with a good number of tuning experts may price the tuning lower because of the competition.

Additional Costs

  • Additional services. If your piano needs more than just tuning, you may need to pay more to the technician. Problems that are usually encountered by tuning experts are sticky keys and squeaky pedals.
  • Repair and maintenance. The tuning expert may find several issues with your piano that needs repair or replacement. This can add up to the cost of tuning your piano. For instance, if there is a broken string, the replacement cost can start from $20.
  • DIY tuning. If you decide to tune the piano yourself, take note that some costs are involved with the learning process. Books and courses are available online. Plus, you need to buy your own tools to get this started. Though this involves money, the knowledge and skills you acquire when learning about this task can save you a lot of money in piano tuning costs yearly. Plus, this can be a good source of income, too.

Tips Before You Decide to Tune A Piano

Know whether your piano is really out of tune or not. eHow.com has this article on how you can tell if your piano is out of tune.

Learn more about piano tuning so you can be guided in terms of getting a tuner and the services your piano may need in the long run. This FAQ page at the PianoFinders.com can be very helpful to answer all your piano tuning questions.

As much as possible, get a registered piano technician to help you with tuning your piano. Find registered piano technicians near you at the Piano Technicians Guild website.

Get referrals from your music teacher or your local piano dealers to find the best tuning expert near you. It always is better to find an expert that other people are satisfied with.

You can also consider tuning your piano yourself. However, take note that this is not an easy job especially if you have not done this before. Check out TuningYourPiano.com for an illustrated piano tuning tutorial that can guide you with this task without the help of a professional by your side.

How Much Does Skydiving Cost

Skydiving is undoubtedly fun and is enjoyed by thousands of people all over the world. Though oftentimes risky, the fun, adventure, and excitement this sport brings cannot usually match any other experience. So if you are dreaming to experience such kind of adventure, the doors to skydiving are open for you. However, you must know how much does skydiving cost first to guide you all the way to fun and adventure without being bothered by financial problems in the future.

Typical Cost Of Skydiving

The average cost of skydiving varies between $80 and $200 per jump.

It depends on the discipline you choose.

  • Tandem Skydiving average cost is $120 to $150 per jump.
  • Solo Skydiving average cost is $80 to $150 per jump.
  • Indoor Skydiving average cost is $20 to $30 per minute.

Included In The Price Of Skydiving

The inclusions in the price of skydiving depend on what kind of discipline you are performing. In tandem skydiving, for instance, the cost includes the jump and equipment rental. Solo skydiving, on the other hand, involves plane fare to the jump altitude only.

How Much Does it Cost to Go Skydiving?

The price of skydiving is usually not the same as the cost to go skydiving. This is because besides the jump, going skydiving can mean several other expenses including travel fares, training fees, purchase of equipment, and in other cases, licensing costs.

Consider These Factors

  • Level. Your level of experience in skydiving can determine how much you will spend for your skydiving adventures. Beginners often tend to spend more since they cannot go solo skydiving right away. If they target solo skydiving, they may need Accelerated Free Fall (AFF) training, which runs from $1,500 to $2,500. This is a training package with seven to 10 jumps and includes rides up and equipment.
  • Location. The location you choose to skydive can have a huge impact on the cost of skydiving. Other locations can ask for higher fees especially in well-established cities and areas like New York City.
  • Weight. The bigger you are, the higher the cost of one jump can become. This is true because skydiving companies make sure to charge you more if you weigh more than 200 lbs. since it will take a lot of fuel and effort to lift you up to jump altitude.
  • Equipment. Having equipment of your own can lower the cost of one skydiving jump as this will prevent you from getting packages that include equipment rental.
  • Time of the week. More often than not, weekend dives are more expensive.
  • Purchase of a complete set of skydiving equipment can be priced at around $5,000.

Additional Costs

  • Jumping with a cameraman to videotape your jump can cost $60 or more. Photographs, on the other hand, are priced around $15. However, this does not include the printing of the pictures.
  • Training to skydive can involve around $2,000 of additional expenses. Check out the United States Parachute Association for information on training, safety, competitions, and membership. For USPA license information and application procedures, click here.

Tips Before You Decide to Go Skydiving

Make sure you consider skydiving companies and schools that are accredited by the USPA. This will ensure you that they are trained to follow the safety guidelines and updated trainings as provided by the association.

Go skydiving in a group to get discounts. Getting five or more people in a group can often give you 10 to 20 percent discount.

Check out this USPA directory for accredited U.S. drop zones, foreign drop zones, and training centers.

Here are some answers to the Frequently Asked Questions about skydiving as answered by SkydivingMagazine.com.

Check out these amazing skydiving vacation options and trips available all over the globe from WhenWeGetThere.com.

How Much Do Braces Cost Without Insurance

In order for your child to have good dental hygene and will not run into problems later in his or her life, it can be required to have braces. However, not everyone has insurance that covers the cost of braces. If you wonder how much braces cost without insurance, this article will try to give you some estimates.

Typical cost of braces

Braces without insurance cost around $3000-$7000

GEOGRAPHYPRICE ESTIMATE
Rural$3000
City$7000

Included In The Price Of Braces

  • A consultation with an orthodontist
  • A number of treatments and checkups for as long as the braces are needed.
  • The braces themselves.

Consider These Factors

  • Geography. In rural areas, where your typical rent is low, the price of braces will also be on the lower end of our estimate range. However, when you live in an expensive city, where rent prices are high and there are many malpractice lawyers, you can expect the cost of braces without insurance to be at the higher end of our estimate.
  • Case. If the child is a difficult case in terms of his/her dental needs, the price will be at the higher end of the spectrum.

Additional Costs Of Braces

Your child may want to get special kinds of braces, in order feel confident about their ‘grill’. Available options will cost up to  $500 extra and include:

  • colored braces
  • glow in the dark braces
  • shaped braces
  • ceramic braces
  • gold-plated braces

Natasha Braces
Photo by Rubink1

Tips Before You Getting Braces

It is usually not possible to negotiate on the price of braces. However, you might get a discount when you can pay (a large part of) the fee upfront. If anything, it will keep the interest low on future installments.

If you are in the Medic Aid program, there might be a program that covers the cost of braces for your child, as dental services should be accounted for by the EPSDT program.

Dental college clinics will be cheaper, as dental students need to practise. There will be supervision by the professors or staff, so the quality might be just as good.

Consider traveling outside of the city to visit a dental clinic at a much lower cost.

How Much Does It Cost To Have A Baby

Having a baby can be the most wonderful experience you will ever go through. However, these miracles don’t come cheap! Some people have only a few months to prepare themselves for this life-changing experience, while others have been planning it for years. Irrespective of your mental preparation, you have probably asked yourself time and time again: ” How much does it cost to have a baby ?” Well, the costs will be hefty. The following article will focus on the costs that come with the delivery of a baby. In addition, the prenatal costs and other motherhood expenses are discussed, as well as the cost of raising a child.

Typical Cost Of Having A Baby…

The costs of having a baby are normally covered by your health insurance. With insurance, you can expect to pay 500-3k, depending on your coverage. Also, some insurance companies have you pay part of your expenses. Besides the insured expenses, there are still out of pocket expenses, such as co-pay.

without insurance: vaginal delivery costs around $8,000 to $12,000.

without insurance: C-section (Cesarean) delivery costs around $13,000 to $20,000.

Included In The Price Of Having A Baby

  • gynecologist
  • pediatrician
  • anesthesiologist
  • hospital room and board. Vaginal delivery is usually 1-2 days, C-section is about 3-4 days.
  • nursery fee
  • laboratory fees
  • medications and supplies
  • examination of and medical attention to the baby

Consider These Factors

Apart from the type of delivery, the geographical location will be of influence on your baby delivery cost. It is cheaper in the south of the US, and more expensive on the west coast and northeast.

Additional Costs Up To Delivery

Complications. Vaginal delivery with complications are estimated to be about as much as C-section costs.

The length of stay in hospital determines your additional costs too. Each day will be quite expensive.

If you want a private room, you have to pay extra.

Premature babies need extra care. The baby could need to stay in a neonatal IC unit for weeks, increasing the with $10k-$30k.

If you need induction of labor, this will be added to the cost. More information on labor induction can be found at FamilyDoctor.org

Other prenatal costs, that may or may not be covered by your insurance plan, include:

over-the-counter prenatal vitamins, such as folic acid, cost around $15 per month.

prenatal care can cost up to $2,000, depending on your insurance policy.

childbirth education and classes cost around $50-$200 per class.

Additional Baby Costs After Delivery

Maternity clothes prices can be cheap or expensive, as they come unbranded or by designer. But when you share them with other mothers, they can be practically for free.

Baby car seats cost around $100.

A crib costs around $100.

Baby monitors cost $15 each.

Diapers. Buying in bulk can save a lot, as a 250 pack of diapers costs about $40.

Wipes. A box of wipes costs around $10 to $15 for 400 pieces, which lasts only a few weeks. An alternative is to use washcloths.

If the parents had a job that they cannot continue for a while, there are opportunity costs. Calculate your lost income as a cost too. Fortunately, you could adjust a bit, since you won’t have time or energy to go out as much anymore 🙂 !

Lastly, raising a child will be expensive too. Estimates are hard to give, as it depends a lot on your geography and income level. However, the U.S. Department of Agriculture provided this table.

The 10-Year Plan – Annual Child Expenses

Here’s what you can expect your annual child expenses to be through your child’s 10th birthday, depending on your income.
Child’s Age and Household Income
Less than $41,700 $41,700 to $70,200 $70,201 or more
< 1 $7,040 $9,840 $14,620
1 7,250 10,140 15,070
3 7,890 11,070 16,370
5 8,380 11,760 17,380
10 9,750 13,380 19,540

 

For more info on raising costs, babycenter.com as a tool that lets you calculate the cost of raising a child.

Tips Before You Have A Baby

Even with insurance, expecting parents spend on average $775 on out-of-pocket delivery costs.

If you dont have insurance yet, you can still get insurance while you are already pregnant. Normally, your baby delivery is still covered that way, as insurance companies with group health plans are not allowed to treat pregnant women differently. Read more about that at the United States Department Of Labor.

Let your insurance company know on time that you are going to have a baby. Some of them will require a pre-authorization for covering the delivery. Be sure to communicate openly with your insurance company, and ask what they need from you, and when.

According to Anne Elixhauser PhD, who is a senior research scientist at the Agency for Healthcare Research and Quality, the hospital charges quite a bit more than it actually costs them. Typically, the actual cost to the hospital is about 30% of what they charge. If you don’t have insurance, this can be a useful piece of information when you negotiate the price.

You can get a discount if you pay your bill at once, instead of seperate payments. Ask your hospital about this possibility.

Babycenter.com can help to find a suitable hospital or a more homey alternative, a birth center.

Ask friends and acquaintances with children if they have pregnancy items that they don’t use anymore.