Rex says
Money math without the spreadsheet headache. Plug in your numbers and I'll show you exactly where the dollars land.
Try a scenario
Click to load — tweak from there.Inputs
Result
Estimated total you'll owe
$6,000
Delivery claim owed
$4,800
Deductible portion
$2,500
Coinsurance portion
$2,300
Newborn claim owed
$1,200
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How to use this
- 1Enter insurance-negotiated allowed cost ($).
- 2Enter remaining deductible before delivery ($).
- 3Enter coinsurance rate after deductible (%).
- 4Enter remaining out-of-pocket max ($).
- 5Enter estimated separate newborn charges ($).
- 6Read your estimated total you'll owe on the right — it updates as you type.
- 7Hit Share to keep the scenario or send it to someone.
About this calculator
Average US hospital charges for childbirth run from roughly $13,000 for an uncomplicated vaginal delivery to $22,000+ for a cesarean before insurance discounts, but what you actually owe depends on your deductible, coinsurance, and out-of-pocket max — not the sticker price. This calculator walks through a typical insurance structure: you pay 100% up to your deductible, then a coinsurance percentage of the remainder up to your out-of-pocket maximum, which the ACA caps at $9,450 individual / $18,900 family for 2024 plans. It also accounts for the fact that a newborn often generates a separate claim against the family deductible.
Worked example
Using the values the calculator loads with:
Inputs
- Insurance-negotiated allowed cost: 14000 $
- Remaining deductible before delivery: 2500 $
- Coinsurance rate after deductible: 20 %
- Remaining out-of-pocket max: 6000 $
- Estimated separate newborn charges: 1500 $
Results
- Estimated total you'll owe: $6,000
- Delivery claim owed: $4,800
- Deductible portion: $2,500
- Coinsurance portion: $2,300
- Newborn claim owed: $1,200
What each field means
Inputs
- Insurance-negotiated allowed cost ($)
- The insurance-negotiated allowed cost used in the calculation, measured in $. Starts at 14000 $ so you have a working example on load.
- Remaining deductible before delivery ($)
- The remaining deductible before delivery used in the calculation, measured in $. Starts at 2500 $ so you have a working example on load.
- Coinsurance rate after deductible (%)
- The coinsurance rate after deductible used in the calculation, measured in %. Starts at 20 % so you have a working example on load. Accepted range: 0–100 %.
- Remaining out-of-pocket max ($)
- The remaining out-of-pocket max used in the calculation, measured in $. Starts at 6000 $ so you have a working example on load.
- Estimated separate newborn charges ($)
- The estimated separate newborn charges used in the calculation, measured in $. Starts at 1500 $ so you have a working example on load.
Results
- Estimated total you'll owe
- Returned as a money amount in US dollars and shown as the headline result. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Delivery claim owed
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Deductible portion
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Coinsurance portion
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Newborn claim owed
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
FAQ
Why is the baby billed separately from the mother?
Hospitals generate two claims because mother and baby are technically two patients, each getting their own room/board and physician charges. If your plan has family coverage and you're already near your family deductible from the delivery claim, the newborn's charges may hit coinsurance immediately rather than a fresh deductible.
How can I get a more accurate number before delivery?
Call your insurer's member services line, ask for the specific CPT/DRG codes your OB's practice typically uses for vaginal or C-section delivery, and request a pre-service estimate. Many insurers now provide these online through cost estimator tools required under transparency regulations.
Does this include the OB's prenatal care billing?
No — most OB practices bill prenatal visits, delivery, and postpartum care as one bundled global fee, separate from the hospital facility charge. Ask your OB's office for their global fee and add your applicable cost-share separately.
What if I need a NICU stay?
NICU costs can add tens of thousands in charges and will likely push you to your full out-of-pocket maximum. Once your allowed costs exceed the OOP max, everything else in-network for that plan year is covered at 100%.
Accuracy and limitations
- Results are estimates before tax, fees, and inflation unless an input explicitly covers them.
- Rates are treated as fixed for the whole period — variable-rate products will drift from this projection.
- This is educational maths, not financial advice. Check anything contractual with the lender or your accountant.
Related tools
Cite this calculator
Writing about this topic? Grab a citation — every link helps keep these tools free.
RevenueLab. (2026). Birth Hospital Cost Estimate Calculator. Retrieved from https://www.revenuelab.fyi/toolbox/birth-hospital-cost-estimate
<p>Source: <a href="https://www.revenuelab.fyi/toolbox/birth-hospital-cost-estimate" target="_blank" rel="noopener">Birth Hospital Cost Estimate Calculator — RevenueLab</a> (2026).</p>
Source: [Birth Hospital Cost Estimate Calculator — RevenueLab](https://www.revenuelab.fyi/toolbox/birth-hospital-cost-estimate) (2026).