For labor and delivery, out-of-pocket costs typically include a health insurance deductible, copayments, and coinsurance, depending on the specifics of your health insurance plan. While the average hospital stay for childbirth is 48 to 96 hours, your hospital charges could be much more expensive if there are complications during delivery or if you or your baby need specialty care or monitoring after birth.³

If you are planning to start a family, Hospital Indemnity Insurance can help cover the costs of admission for a hospital childbirth and post-childbirth hospital stays. Cash benefits are paid directly to you based on your admission and days hospitalized. You can use the money however you’d like, for anything from covering hospital bills to childcare and diapers.

The key is planning ahead. Hospital Indemnity Insurance from the Prudential Insurance Company of America covers routine pregnancy, childbirth, and complications of pregnancy beginning 10 months after your coverage effective date, so you’ll need to purchase coverage before you become pregnant. But with a little advanced planning, you can help save on your hospital stay, leaving more cash in your pocket to decorate the nursery or splurge on the ultimate stroller.

^1,2,3  “How Much Does It Cost To Have A Baby? 2024 Averages,” Forbes Advisor, https://www.forbes.com/advisor/health-insurance/average-childbirth-cost/, January2024.
Group Insurance coverage is issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ.

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