It really varies.
My first pregnancy was completely uncomplicated along with my 2nd... so for that, my doctor would only charge around $2500 for a completely non-complicated normal delivery
My third pregnancy was also uncomplicated BUT my son was born with sepsis and had to be sent in an ambulance to the children's hospital. He was there for 2 weeks and thankfully DH is military and we never had to pay a cent for that $20K stay on top of the $2500 the insurance paid for my delivery.
My fourth which just happened in January was my first complicated pregnancy. I had the normal delivery for $2500, plus in my third trimester I had to have NST tests which were $115/each for 2x a week... then I had 3-4 high level u/s which the insurance billed out between $500-$1500 per u/s. I got so tired of doctor's appointments I just wanted my baby born so they could leave me alone.
This last pregnancy was the most costly... but my son's care after birth was the most expensive.
On top of that you have to figure maternity leave. I work from home and did not take short-term disability, so I accrued as much PTO as I could (3 weeks) worth... and then went back to work after that since I couldn't afford to, but thankfully I don't have to pay childcare.
I think it is great you guys have saved for this. It definitely helps you to be more prepared.
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