美國文化：美國人生娃成本有多高？

The average doctor charges for a vaginal delivery with nocomplications in the U.S. is $3,035, according to data from FAIRHealth, a health care nonprofit that keeps a national database ofinsurance claims. That includes the cost of routine care beforeand after the birth (but not tests like ultra sounds or amnio). Ifyou want an epidural (which, let’s be real, many women do),that’s another $2,132 on average. Prices vary considerablydepending on where you live. The average cost of a C-Sectionnationwide is $3,382, plus $1,646 for an epidural, FAIR Health found.

非盈利的醫(yī)療衛(wèi)生機構(gòu)FAIR Health擁有全美國保險理賠的數(shù)據(jù)庫。他們的數(shù)據(jù)顯示，在美國，孕婦順產(chǎn)分娩且無并發(fā)癥的情況下，平均要向醫(yī)生繳納3,035美元。其中包含了產(chǎn)前和產(chǎn)后的日常護理費用(但不包含超聲檢查和羊水診斷等)。如果你想在分娩時接受硬脊膜外麻醉(老實說，許多女性都會選擇這種麻醉)，平均還要多掏2,132美元。根據(jù)居住地的不同，這些費用也有很大差別。FAIR Health還發(fā)現(xiàn)，在全美國范圍內(nèi)，剖腹產(chǎn)的平均費用為3,382美元，接受硬脊膜外麻醉還將產(chǎn)生平均1,646美元的額外費用。

But that’s just for your doctors—not the hospital. In a separate study published in the journalHealth Affairs last year, researchers found that the cost of a hospital stay to give birth ranged from$1,189 to $11,986, and that was for what were considered low-risk deliveries.

不過這只是給醫(yī)生的費用，不是給醫(yī)院的。在去年Health Affairs發(fā)表的另一篇研究報告中，科研人員發(fā)現(xiàn)，生育還將產(chǎn)生1,189美元至11,986美元不等的住院費，這還是在分娩風(fēng)險較低的情況下。

To be clear, your actual out-of-pocket costs will vary considerably depending on your healthinsurance policy.

這里需要明確指出，根據(jù)醫(yī)療保險的不同，你需要支付的實際費用會有很大差異。

Most people with insurance first have to fulfill a deductible—that is, pay a certain amount out ofpocket before insurance covers the bill. On average, employees in traditional PPO family plansneed to pay $2,012 as a family or $944 per person to meet their deductible, according to theKaiser Family Foundation.

大部分人在自費醫(yī)療達到一定數(shù)額后，才能開始享受保險——也就是在保險公司付賬之前先自掏腰包。根據(jù)Kaiser Family Foundation(KFF)的數(shù)據(jù)，參加優(yōu)選醫(yī)療機構(gòu)(PPO)計劃的家庭平均需要支付2,012美元，或每個家庭成員支付944美元，才能達到保險的條件。

After that, your insurer may still require you to chip in. You may owe co-pays or a percentage ofthe bill, called co-insurance. The average hospital co-pay is $308 per admission, and $281 per day.The average co-insurance rate is 19% of the bill, KFF found.

在此之后，保險公司可能還會讓你掏錢。你可能需要支付一定比例的醫(yī)療費，即所謂的共同保險。KFF發(fā)現(xiàn)，每次住院的平均自付金額為308美元，或每天281美元，平均自付率為19%。

Charges can add up, particularly if you have complications. Fortunately, the Affordable Care Actputs a cap on what you’ll pay for in-network services. The legal out-of-pocket maximum is$13,700for family plans — though your insurer may set an even lower cap.

如果你出現(xiàn)了并發(fā)癥，費用還會更高。幸運的是，《平價醫(yī)療法案》(Affordable Care Act)規(guī)定了你在享受醫(yī)保網(wǎng)絡(luò)內(nèi)服務(wù)時需要支付的費用上限。法律規(guī)定，參加醫(yī)療計劃的家庭，每年支付的醫(yī)療費用最多不超過13,700美元，而你的保險公司設(shè)定的上限可能還會更低。

Your medical claims can also vary depending on where you live. FAIR Health found the averagecost of vaginal delivery ranged from $1,614 in Mobile, Ala. to $9,279 in the Bronx, N.Y. You canfind typical prices in your area with FAIR Health’s Consumer Cost Lookup tool.

居住地不同，醫(yī)療理賠的費用也會不同。FAIR Health發(fā)現(xiàn)，順產(chǎn)的平均費用從阿拉巴馬州莫比爾(Mobile)的1,614美元到紐約市布朗克斯(Bronx)的9,279美元不等。根據(jù)FAIR Health的消費者成本查找工具，你可以看到對應(yīng)地區(qū)的通常價格。

If you’re insured, the best way to estimate what you’ll owe is to check if your health plan has aprice transparency tool (77% of large employers now offer them, according to Mercer). Thatshould tell you what you can expect to pay with specific providers in your network.

如果你已經(jīng)投保，估計你要掏多少錢的最好辦法就是看看你的健康計劃是否有價格透明度工具【美世咨詢(Mercer)表示，現(xiàn)在有77%的大型雇主都提供這種工具】。它能告訴你，在醫(yī)保網(wǎng)絡(luò)中的某家機構(gòu)生育大概要花多少錢。

If you’re not insured, you’ll have to wait until the next Obamacare open enrollment period to buyhealth coverage, or until you have your baby — whichever comes first. Having a child qualifies youfor a special open enrollment period, but just being pregnant does not.

如果你尚未投保，就得等到奧巴馬醫(yī)改規(guī)定的下一次保險購買開放期(open enrollmentperiod)，或是等到你有孩子為止——無論哪項都可以。擁有小孩能讓你享有購買保險的特別開放期，不過只是懷孕的話可不行。