The disparity in costs between the insured and uninsured becomes even more marked when it comes to the many required screenings and procedures a mom undergoes during her pregnancy. From anemia testing to the flu shot to screening for gestational diabetes, insurance will completely cover each procedure, thanks to changes from the Affordable Care Act (ACA). Those without insurance, however, are often left out to dry. Some tests will run as low as $15—but the most intensive can reach up to $600 out of pocket.
As seen in the vastly different costs above, the true cost of pregnancy can vary widely from person to person. For women who don't know they are pregnant until they are in labor (1 in 2,500 women), costs can be minimal. These women won't spend any money on prenatal care—a sharp difference from women with high-risk pregnancies who spend thousands of dollars on specialty genetic testing.
To illustrate the wide range in what a woman can spend during her nine months of pregnancy, Giddy has created four scenarios, each representing different pregnancy costs. The cumulative costs of pregnancy in these scenarios range from approximately $650, at the lowest end, to approximately $9,400, at the highest end. These four scenarios are garnered from average national costs and are to be used for illustrative purposes only. They do not reflect real women and real expenses.