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Views
105,294
Likes
8,538
Comments
344
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Duration
111.133331s
VPF 0.0467
Caption
How much we paid to have a baby in the US (as self employed business owners with private health insurance) 🏥💸🍼 What do you think? 💭 You got this! 👏 #personalfinance #pregnancy #healthcare
Transcript
Hi, I gave birth eight weeks ago and I just got my final hospital bill. So I thought that'd be fun if I told you how much it costs for me to have a baby in the United States because we love financial literacy and healthcare is expensive. Let's go. Okay, first of all, I just want to preface that I had my number one choice of hospital, doctor and OBGYN and had a wonderful experience from end to end. First, my OBGYN. So my entire pregnancy, ultrasounds, exams, blood work tests, all that stuff, I walked in and out without having to pay a dime. I just went to my six week appointment and they gave me my final bill and it was a whopping total of $90, which isn't bad. Okay, now let's get to the hospital stay. So we stayed a total of five days and four nights in the hospital and here's my bill. So this is everything all in. So labor and delivery, our room, 24 seven care, medication, tests, blood work, all that stuff was a grand total of $22,014.41. The baby also had a short stay in the NICU, so that was a separate bill. And that was a grand total of $32,014.41. So that brings the grand total to $54,028.82. But, but we had insurance. So we only had to pay, okay, wait, how do I show this without showing like sensitive information? Whopping total of $1,193.36. So not cheap, but not $54,000. So to get some context, when we decided that we wanted to start a family, I wanted to switch over to a healthcare plan that was going to be better suited for that. So we live in Maryland and there's actually a free broker service where you can go to this Maryland connection website and you can call up your broker and they'll help you pick a plan that fits you. And so I was like, I want to give birth at this hospital with this doctor and go to this OBGYN. And she was like, girl, I got you. You want to do this preferred PPO plan. Your number $1,000 deductible and it's $500 per person per month. And I was like, sweet, bet, let's do it. And I would say it worked out pretty well considering the current state of things. Financial literacy is so important. One thing I feel like nobody educates on is insurance. So you got this and follow for more.
Hook analysis
brand_fit: no“”
Pattern
cost_accounting
Format
—
Topic
—
Sub-topic
US childbirth hospital bill breakdown
Content angle
the sticker price is not the price you pay if you set up correctly beforehand
CTA
Follow for more
Narrative structure
promise a number -> itemised bill reveal, escalating -> grand total -> reveal the discounted real cost -> explain the prior decision that caused it
AU transplant
with_changes
Transplant note
Only the skeleton survives: name a shocking gross total, itemise it line by line, reveal the far smaller number the informed person actually paid, then reverse-engineer the decision that created the gap. That maps well onto Ark's '14 months' — what the wait costs in forgone salary versus what it costs when you position first. Everything else is dead on arrival: Maryland's insurance broker, PPO plans, deductibles and $54,028.82 in US hospital billing have no Australian analogue under Medicare, and the content is written for a US reader.
Brand fit note
Fails the relevance test on two counts from the 'Not relevant' list: it is 'content written for a US reader' with US-specific cost structures, and it is lifestyle/personal-finance content with no path from survival job to corporate role. The cost-accounting instinct is on-voice — exact figures, never 'a lot' — and worth stealing as a technique, but the subject itself cannot be rewritten into scope, so this is a 'no', not a 'with_changes'. It also closes on 'you got this and follow for more', pure motivational-guru register the doc rules out.
Why it performed
Not written yet.