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having a baby in the Philippines


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#1 kalamputi

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Posted 24 March 2013 - 08:59 PM

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,

K.



#2 denterprise

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Posted 24 March 2013 - 09:44 PM

Once they see your face at the hospital you are going to get the American price. The savings if any is not worth the trouble of traveling and staying there for three to six months.   Don't risk the health and safety of your baby going to the PI for delivery, We have state of the art facilities in the states to address your needs in the unlikely event things are not going as planed.  Go to your hospital and let them know your financial situation and they may be able to accommodate your needs with resources you had no idea existed.  At the very least they can work out a comfortable payment plan.  Don't stress yourself out, you want to enjoy every moment of this exciting experience. 


God is Good all the time


Dave

#3 rbacon

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Posted 25 March 2013 - 02:41 AM

Kalamputi,

 

The various reasons one would give birth in the PI are:  cost, being with relatives..and that's about it.

 

Reasons for having birth in U.S.:  good medical facilities available everywhere; no cost of travelling and returning to the U.S.; no absence from your U.S. husband for many, many months.  As Dave posted already, cost of birth in the U.S. can be bypassed or postponed in many ways.

 

--Ray B

 

 

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,

K.



#4 W. Thomas

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Posted 25 March 2013 - 03:44 AM

No advice here, just something you should check out.  Our insurance has a "catastrophic limit" on out of pocket expenses for a year... currently at $5000.  This does NOT cover premiums.  Check your policy for something like this.

 

Bill



#5 kalamputi

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Posted 25 March 2013 - 08:50 AM

Thank you. Sometimes one just needs a little "nudge" to make a decision. Particularly in light of what happened to another cousin of my wife's (different OB-GYN every month, inattention to diet, complications in birth leading to coma and death), I think on the whole, we're better off here. Some costs simply cannot be quantified.

 

K.



#6 munckin

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Posted 02 April 2013 - 11:08 PM

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,

K.




I wouldn't think twice to choose staying in the US through the entire pregnancy if u have to ask me. I am 7 mos pregnant now, and probably I won't be able to make it this far if i was in PHilippines. You will never know what will happen within that 9 mos of pregnancy journey. Everything was like a sugar for me for the 1st 3 mos, and i was suppose to visit PI for family matter but never made it. The days I am about to leave, I was considered high risk already and referred to 2-3 different doctor specialist which I don't think most PI hospital have. In just a matter of days. I'm healthy and baby is healthy and I thought nothing can go wrong , until I had to have emergency surgery just to keep my baby in as far as delivery comes. I work in hospital in PI for years and I never encounter such surgery being performed there. And never heard of any perinatologist( doctor for unborn baby ) in PI either someone who will perform such surgery to keep cervix close with just some millimeters of it left. Most pregnancy complicated or normal are dealt with OB GYN in PI... And over there, money matters so if they know ur American u can get different pricing bills. I could have given birth in plane going home while I was 4 mos. YOur wife is 33 , when she turns 35 she will be in a high risk bracket if she get pregnant that time. Not all pregnancy are the same. But something could happen.,it feels like reaching to the 9 month is forever, but everyday now is like a waiting game. . Im thankful to US healthcare, they're still the best even with those health system issues seen on tv. Cost of medical here would be as much as the same given that u have to do travelling and miscellaneous pays for whatever reason aside from medical bills. .safety is more worthy than savings..

#7 rbacon

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Posted 02 April 2013 - 11:52 PM

I wouldn't think twice to choose staying in the US through the entire pregnancy if u have to ask me. I am 7 mos pregnant now, and probably I won't be able to make it this far if i was in PHilippines. You will never know what will happen within that 9 mos of pregnancy journey. Everything was like a sugar for me for the 1st 3 mos, and i was suppose to visit PI for family matter but never made it. The days I am about to leave, I was considered high risk already and referred to 2-3 different doctor specialist which I don't think most PI hospital have. In just a matter of days. I'm healthy and baby is healthy and I thought nothing can go wrong , until I had to have emergency surgery just to keep my baby in as far as delivery comes. I work in hospital in PI for years and I never encounter such surgery being performed there. And never heard of any perinatologist( doctor for unborn baby ) in PI either someone who will perform such surgery to keep cervix close with just some millimeters of it left. Most pregnancy complicated or normal are dealt with OB GYN in PI... And over there, money matters so if they know ur American u can get different pricing bills. I could have given birth in plane going home while I was 4 mos. YOur wife is 33 , when she turns 35 she will be in a high risk bracket if she get pregnant that time. Not all pregnancy are the same. But something could happen.,it feels like reaching to the 9 month is forever, but everyday now is like a waiting game. . Im thankful to US healthcare, they're still the best even with those health system issues seen on tv. Cost of medical here would be as much as the same given that u have to do travelling and miscellaneous pays for whatever reason aside from medical bills. .safety is more worthy than savings..

Guys,

 

Kalamputi makes some very good points about the benefits of not risking things which routinely go wrong or specialist facilities and staff not being available in the PI (in 1990).

 

My wife suffered a miscarriage in Manila while waiting for her visa package to reach the Embassy.

 

Two years later my wife had her first and only child at the age of 43 with a Caesarian Section, good prenatal care and the best of hospital care any American could expect with a decent medical plan.

 

Had she waited for the second pregnancy and returned to the PI to give birth, I'm certain our 20-year-old son would not be here today.  Because of her age, she was at high risk, but our medical facilities here would able to deal with her needs routinely.

 

--Ray B






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