My wife and I are weighing the options for where (and when) to have a child. We are very much in the preliminary stages and at this point are considering everything and anything. As everyone knows, the cost of healthcare in America is insanely high and we are trying to get a handle on what kind of costs we will face here in the States versus the costs of having a child in the Philippines. A cousin of my wife who is expecting next month says that some hospitals in Cebu offer package deals for around PHP 30,0000. Even with hidden costs, I'm sure this is way under what I will end up paying out of pocket for a birth in an American hospital even with low deductible. Fortunately the insurance plan I'm in the process of signing up with has just added maternity care to their benefits, which is huge, even if it doesn't include the cost of a midwife, which is one thing my wife would like, if we choose to have the kid here.
If the hospital cost were the only things to consider it would be easy but the way I figure it, two tickets to the Philippines will set us back $3000. Add another $1000 minimum for the whole birth, with pre and post-natal care, plus all the expenses of traveling to and from the hospital and paying for relatives' needs, cost of securing a passport for the child and flight for him/her, plus the cost of living there 3-6 months, etc could easily push the costs into the low 5 figures.
Currently here in Maine an individual health care insurance plan for just my wife costs about $3000 annually, with $2000 deductible. Assuming nothing unusual happens with the birth (she's healthy and 33), just at first glance , it would seem that staying put in the States is the cheaper route but I'm only in the generalizing stage at this point, which is why I'm putting it out to all of you.
I guess our main question would be for forum members who made a conscious decision to have their child in a Filipino hospital. At what point in the pregnancy did you return to the Philippines and how long after the birth did you wait before coming back to the States (or Europe/wherever)? What were the costs involved and in the end, was it worth the savings, assuming there was some?
The other questions-more relevant to other sections of the forum-would be:
How long can she be overseas on a permanent residency card? and
How hard is it to get the kid a passport? Is it even worth it (to choose a birth overseas)?
Maraming salamat in advance,