Childbirth tips: 10 ways to save money when having a baby

Congratulations! If you are reading this post, then a bundle of joy must be on the way. If not, congratulations still! This could help your future family or your neighbor's family cut-off some unnecessary expenses on childbirth.

In every aspect, preparation is key. 

Here are 10 childbirth tips on how you can save money when having a baby:
Having a baby soon? Preparation is the key to save money on childbirth
Having a baby soon? Preparation is the key.
1. Check your Philhealth 
Philhealth can deduct a substantial amount from your bill. Both you and your newborn (to be declared as dependent after you give birth) are covered. 

Philhealth discounts on the professional fees of your doctors, and the giving birth fee itself. In case you newborn needs medication right after birth, it deducts an amount too, per case. If you are employed, most likely, your contributions are up to date. 

Nevertheless, it does not hurt to check with the HR. If you are voluntarily contributing, check if your payments are up to date.

2. Check your company healthcare
If you are employed, chances are, you are entitled to short-term healthcare. Some company healthcares provide assistance for childbirth. 

Some, including mine, luckily, provided 14 free prenatal consultations. Fourteen consultations was just enough for the 9 months of conception. Scan through your healthcare policy booklet if your private OB-GYN is accredited, or ask help from your HR.

3. SSS
Technically, your maternity benefits from your Social Security System pays you for the days you have to stop working in preparation, during, and after childbirth. Though if you choose to, your SSS benefit could help you with the hospital bills. 

4. The Hospital Hunt
The bigger the hospital, the more likely it would cost more. Lying-in clinics or birthing centers would really turn out cheaper, if you are comfortable with it. 

Research through the internet for approximate rates in the hospitals and clinics near you if it fits your budget, ask some friends who have given birth recently or ask your OB-GYN for suggestions. 

Some online forums really offer help too, so go ahead and ask.

5. The Bundle Benefit 
Most hospitals and birthing clinics offer maternity packages to Philhealth members. Packages include the prenatal consultations down to giving birth. 

The good thing with packages is that, you pay it every time you visit for prenatal check-up, so it is not heavy on the pocket. 

Another good thing about packages is that they offer plenty of seminars, from breastfeeding and taking care of your newborn upto family planning post partum. 

Research and ask around to see which hospital carries the package you need.

6. Choice of Room
Did you know that the bigger the room in the hospital, the pricier the medicines are too? 

The paracetamol given to the one in the ward is way cheaper than the exact same paracetamol given to the one in the suite room. True story! 

If you are fine staying in the ward with other new mothers, by all means, do. It could save you money. If you are not comfortable with that, go for the cheapest private room. 

You'd only stay there for 2 days, anyway, if you give birth normally.

7. Baby Fund
Your own savings can save you. The moment you decide to have a child or the moment you see double lines in the pee stick, start the Baby Fund. 

Target at least 100 thousand (as of 2017) in this account. In our place, normal childbirth plus well (no infections and diseases) and term (36-42 weeks) babies in a regular private hospital with private room and private OB-GYN cost about 50k. 
Pregnancy and childbirth? Save for it!
Pregnancy and childbirth? Literally, save for it!
And 100k will give you peace of mind, considering a low chance for cesarean birth and complications. In the minimum, you will have 9 months to build it up, that is about 11,000 per month. 

Commit to putting money into that account. If you can't reach 100k, at least you make it halfway, and that is good enough. If you can reach it, and the fees do not make up to 100k, that's a great start for your child's college fund.
Remember: Pregnancy is not an emergency. You have 9 months to save for it.
8. Stuffs Shopping
Baby stuffs can take a big chunk of the budget. They may look like only a few items but it could pile up, and really cost a lot. 

What we did was to start buying baby stuffs around 4 months. We started with basics and gender-neutral items like the lampin, the usual tie-side whites and other essentials. 

We bought items every month until we were finally ready on the 9th month. It may or may not save you money, but it would be lighter on the budget. 

What could save you money is buying baby clothes in 6-9 months size, instead of buying 0-3. And buying just enough. Oh boy! babies grow up so fast.

9. Doctor Friends
Friends who are doctors or friends who recommend doctors can surely save you money. Some doctors, if you are relatives or are really close, waive their professional fee. 

Lucky you. Ask for referrals from friends, you might get some discounts.

10. Prayer always works
When all is said and done, there are really some things that are out of our control. Your doctor may tell you that there is a good chance for normal childbirth but even the most experienced doctor could not predict how you would deliver. 

There might be unforeseen circumstances that would alter all the preparations made. Take for example my classmate in the Labor Room: she was full term, but she had to deliver by cesarean section and the baby had to have an open surgery right after birth. 

So prayer is our ultimate tool. Pray for a healthy baby. Pray for an easy, safe and cheap (yes, we prayed for that) childbirth. It worked.

So now, I think you are very ready. Bring it on, baby!

What's your biggest takeaway? Do you have additional saving tips for childbirth? Leave your comments below!


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