Kate Middleton’s ‘luxury’ birth cost less than the average U.S. birth
marketwatch.com
marketwatch.com
My daughter was born by C-section in the UK. Mum and baby stayed in the hospital for a few days to recover from the C-section. This would have been completely free but they would have had to share a room with 3 other mums and newborns. That's not so nice so we opted to pay for a private room.
The cost for a private room in a hospital in the UK was the equivalent of $100 per night! In a HOSPITAL! Coming from the US that blew my mind.
Cost to us for the whole thing - £0.
We were even given a pass so we could get free parking throughout.
The one downside to the whole thing, when it came to crunch time there was no space in the nearest neonatal ward, so we had to be rushed in an ambulance the the nearest one that did have space. About 200 miles away, so we weren't able to go home for a couple of months until baby was stable enough to be transferred closer. It was tough, but I will be forever grateful to the NHS for the amazing effort that everyone involved happily contributed.
The midwives gave my wife her own room and even set up a camp-bed for me. They gave me tea and toast in the morning joking that they weren't sure they should do, but there was enough to spare.
We didn't need to pay anything and both being on paid parental leave took any financial pressure off so we were able to concentrate on the baby.
The only thing I would say is that a good 90% of hospital food is appalling, though. That's the main blot on the experience.
They were literally the 'seconds' rejected from the consumer market. No pudding for you if you happen to be allergic to one of the unknown possible flavours...!
The overall health care is likely cheaper but you do pay for it your entire adult life.
So while they charged you $100 during birth (btw that’s extremely cheap a private room in a central London hospital without insurance copay is a few £100’s a night) you pay for that room from your first paycheck to the last.
The only problem I have with it is that unlike say Germany I have no option to go completely private. I
No. In the UK you pay into a fund that pays for everyone, not just yourself.
As you do in the US .. it's just that the section of taxes you pay for it is generally much cheaper than health insurance costs.
And you get it even if you have no pay cheque.
That feels like a worse situation: you pay for it all your adult life, but you have to pay again when you need it.
(of course, I think we'd be better off in the states if we expanded medicare to everyone, giving everyone a baseline level of insurance... but I'd also expect it to be more expensive here than in the UK, just 'cause the payscales here are... pretty different.)
Here's the Agenda for Change pay scales, which seem relevant to a story about maternity care (which is usually going to be midwife led).
http://www.nhsemployers.org/your-workforce/pay-and-reward/ag...
Midwives are going to be band 5, so £22,128 to £28,746.
I think US midwives are getting about $100,000, so there's a considerable difference.
(I'm curious how this shakes out on the low end, and if it's just that in the USA, skilled labor captures more of the total labor compensation than in the UK, 'cause I didn't think our per-capita gdp was that far off. In silicon valley, unskilled labor pays around USD$15/hr. the rest of the country it's closer to USD$8/hr. There are a lot of people who try to live on that. What would the equivalent be in London?)
We’re talking about skilled, professional labor specifically, and boy, professionals are getting screwed over there. Here in the US you can afford a decent lifestyle on a doctor or SWE salary even if your spouse doesn’t work. I don’t know what folks in eg London do. Shit’s crazy expensive in London.
(median household income in SF is USD$75K/yr. I don't see how you could live in SF on that money without serious rent control or owning your place, but fact is it's the median household income. Come to think of it, I know a fair number of people in that situation; making under $75K/yr and living in a rent-controlled place.)
Interestingly, median household income in london, as far as I can tell, is GBP40.000 which is like USD$55K - which isn't nearly as large a difference as I see in, say, SWE wages.
The US does have socialised medicine: Medicare, and it costs as much as the health care systems of other countries, only it takes care of only a small part of the population, whereas in other countries it takes care of everybody.
The NHS covers everyone (although if you want fancier healthcare you can pay and go private).
The idea that people have to pay huge amounts of money for a basic human need like safe childbirth is very troubling.
Second child was in and out in 16 hours, and it was overnight, parking was free at that hospital, so only cost the petrol, about £1?
There's a lot of complaining about the fact it costs as much as a cup of coffee to go and visit people in hospital. Those with chronic conditions tend to get free parking (at least where I live now in Cheshire).
Considering how hugely complex and difficult a child birth is, and considering that there are professional doctors and trained nurses available for free, the complaint about the cost of a private room because what is given for free was 'not so nice', is, to my mind, seriously taking things for granted.
UK doctors don't work for free, and neither do nurses. Not to mention equipment and buildings. You're taxed for it.
Also, the US government pays more per capita on healthcare than the UK governments for a system that isn't free at the point of delivery.
https://www.ons.gov.uk/peoplepopulationandcommunity/healthan...
With the NHS is the UK I can be pretty confident that no matter what medication my doctor prescribes that when I collect it from the pharmacy it will cost me exactly £8.60
I can also be confident that when I go for an appointment to see my GP that it will cost me nothing. This doesn't mean that is is free, as my National Insurance contributions are substantial, but that I know that I don't bear any financial risk from going to see a doctor.
I can't imagine what it would be like to have to worry about whether going to see a doctor about this mole that's changed a bit might land me with an unknown bill. Or to worry that my daughters peanut allergy could see me paying hundreds of dollars when her adrenaline pens expires.
In fact, it's more important than that. Because you pay NI upfront, it relieves the feeling of burden that you might otherwise feel towards the NHS, which actually makes you more willing to go to the doctor. This means you're more likely to catch minor things before they become major problems (further reducing NHS costs).
I would guess (and don't know) that if you had super amazing insurance then maybe it covers all these unexpected extras. But for those that do not have that level of cover the decision must go something like:
I'm worried that this mole looks bad,
if I go and see a doctor then I might get a nasty bill,
but if I don't go and see a doctor then it might get worse and when it does I'll have no choice but to go,
oh and the cost of the treatment could bankrupt my family
This was for the hospital car parking for 3 days to visit my wife while she recovered in maternity ward in a private room.
Everything else was free, from the first scan, through to delivery, and the standard of care was good.
Didn't need specialists, but if we did that would have been free too.
We have private health insurance as well (NZ$300/month to cover the family), but in public health care is good enough, private is for when you want to get treated faster for less critical things.
If I think about our decision making process for a car-seat (oh god, let's go for the best - just in case), I am glad that no-one has put a monetary value on giving birth.
Note things like "If your baby requires transitional or specialist care, this is free if they are entitled to NHS care and is chargeable if they are not." -- British (and EU etc) patients can pay for the luxury private room and so on, but if they unfortunately need significant extra care, public healthcare will cover that.
https://2ic5hf2u26uo1u64w43h7rt0-wpengine.netdna-ssl.com/wp-...
But it's really awfully complicated -- often the baby gets a separate bill too to muddle the waters. The ACA ("Obamacare") set a cap on in-network yearly out of pocket payments on family plans which, if memory serves, was around 11k in 2017. A complicated birth can hit this! Consider the costs of NICU, for example. (Oh and if an NICU nurse reads this: thank you, thank you, thank you for the life of my niece.)
As to what the insurers pays, I do not know.
The expectation is that the baby will be added to the insurance plan effective as of birth, so it's correct to bill services provided to the baby as... services provided to the baby.
And that includes dental and optical treatments. Braces and glasses are free, at least the basic type.
(I've generalized all of Europe; there may be exceptions in some countries.)
What happens if the parents can't afford it? Does he, like, get to go back in until the parents pay? If he had an ailment, and it got cured, do they give it back to him? Do they put him in suspended animation :-)?
It may not look like much to those of us who hang out on HN, but if you have a normal job, serving drinks or selling stuff in a brick and mortar shop or whatever, there's a world of difference in details like who gets the bill, what you need in order to get insurance and so on.
I've never seen any paperwork in either country regarding billing or other costs, and that's as an adult.
Please note that you basically listed two exceptions (plus other Nordic companies), most of EU countries have a system that combines private insurance companies with a combination of public, semi-public and completely private health providers.
What's actually happening is that:
1. A claim is submitted to the insurer, naming the baby as recipient of the claimed services. The parents are responsible for ensuring the baby is added to the policy within a reasonable amount of time.
2. If the insurer declines to pay some portion the hospital is entitled to collect, the hospital will send a bill to the parents, and the parents will be responsible for it, though the bill will be for services provided to the baby.
And no, braces and glasses are not free. Again, the child is billed, and the bill is sent to its health insurance company; also, the requirement is not just most basic type, it also needs to have a medical reason, so braces just because you want to look good aren't free, you need to contribute (I had to pay around 25,000 CZK for example, equivalent of one average monthly wage).
If you cannot see why that seems weird, shocking, amusing ... whatever then I don't know what else I can tell you.
Regarding: Assignment of the Tax ID according to § 139b of the tax code
Dear <name of the newborn>,
the Federal Central Tax Office has assigned you the Tax ID <number>. It is used for taxation purposes and valid your whole life. Please keep this letter even if you are currently not paying any taxes. Always mention your Tax ID when communicating with financial authorities. Please also note the information on the back.
Kind regards, your Federal Central Tax Office
What it did not pay full for was ultrasounds. Which aren't technical part of the birth. They only paid full for the first one and we needed 5, which was about $300 each out of pocket for me.
But I hear my experience is not typical. Usually out of pocket costs (even with insurance) are much higher in the US.
C-section birth, plus 4 day stay at the hospital (Max included allowed by insurance). Total billed by the hospital was something crazy around 11-16k? I forget actual number. It was a decent stay/food but nothing crazy over the top about it.
After all said and done we paid $1100 for our hospital stay. I was happy it was this "cheap".
P.s. oh yes, also hospital car parking -I think I was there total for 5 days so $12x5=$60.
We are really lucky.
[1]: https://www.theguardian.com/us-news/2018/jan/16/why-does-it-...
https://en.wikipedia.org/wiki/Income_in_the_United_Kingdom
https://en.wikipedia.org/wiki/Personal_income_in_the_United_...
How? Because they can. It keeps costs down and the NHS can't [0] refuse to treat somebody, even if they're coming from a private surgical ward.
I'm not saying that's what's happening here, but this is one reason why private elective care is so cheap in the UK. The other being that they have to compete with £0.
An @nhs.net email doesn't mean "this person/organisation is a part of the NHS", it means they provide services to the NHS and need to deal with patient data.
Per capita spending seems like a misleading basis for comparison to me. US government healthcare schemes cover about 25% of the population, whereas in the UK the NHS covers essentially 100% of the population.
The US tax payer already pays as much or more as the UK one, all the extra payments are just a "bonus".
Sure, it's not 'free'. But when you pay taxes, everyone doesn't pay equal amounts. Those who are able to earn more money, pay more taxes. Those who can't pay less. But no one is left to fend for themselves. Even the poor can get treatment. We're also not paying anything like the insane prices you pay in America.
Not to mention, thousands of years of doing it without even a midwife was somehow good enough to keep the species alive long enough for hospitals to be invented so people could think having a baby requires one.
EDIT: Sorry to distract you with that last bit. A midwife, you're paying for a license and a sterile pair of scissors. It works fine. The idea that you need a huge medical apparatus and to pay $10 grand for it, to do something humans evolved to do, is pretty FUDdish.
And the majority of Dutch births are not home births. Due to the safety issues, the rate has fallen to only 13%: http://www.skepticalob.com/2017/02/dutch-homebirth-rate-cont...
Although if birth-related mortality is rising while home births are dropping, doesn't that suggest there's something else going on? The relatively high age of Dutch mothers may also be a factor (I believe the average age at which women have their first child is around 30).
Having read a bit more about the issue, it appears the jury is still out.
Huh, where do you see mortality rising? The link refers to a decrease: "Historical data show that 7-day (28-day) mortality declined from 4.25 (5.35) deaths per 1,000 births in 1980–1985 to 2.42 (3.18) deaths in 2005-2009"
>Having read a bit more about the issue, it appears the jury is still out.
I don't know how you can think that. Every statistical comparison shows home births kill babies. Unfortunately, there are still people who claim otherwise, but none of them have data to support their claims.
The number of home births is at 13% according to https://www.volkskrant.nl/wetenschap/typisch-hollands-fenome...
I suffered no injuries. That doesn't mean it was safe.
I also feel like it was 100% the correct word to use in this instance!
Research isn't great but it seems to show that home births are more risky than hospital births; that midwife led care is safer but only if there are both obstetricians available and strong multidisciplinary working.
I wonder if home births can ever be safer/less risky than a hospital birth.
My wife had emergency surgery (not all cesareans) with each of my kids but even if you just take the first time when she was low/no-risk, she would most likely be dead if she'd chosen to give birth at home. Both me and her were also born by emergency caesarean, so I might be a bit biased in favour of hospitals here though ;-)