Preparing Financially for Baby

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Baby’s are a huge blessing, but having one will cost a lot of money. Here are some tips perfect for Preparing Financially for Baby . This is a sponsored post on behalf of UHC. However, All opinions are 100% mine.

Babies are such a blessing! They bring so much happiness to a family. However, for many having a baby may be stressful because of the financial aspect of having to pay for so many things like hospital, insurance and more. Thankfully, if you plan it right it doesn’t have to be! It can be pricey ,but if you prepare yourself there doesn’t have to be crazy surprises at the end when it’s all said and done! So here are some tips to help in  Preparing Financially for Baby.

The most important thing to remember is no matter how much you plan you’ll never be ready for a baby, however these are things you can do to help cushion some of the financial aspects of having a baby.

1.Understand your health insurance and anticipate costs. Having a baby is expensive, even when you have health insurance. You should head over to your insurance and find out how much you should anticipate to pay for all the medical expenses that you will face. United healthcare has a great tool to help you figure that out.  By doing so you can help alleviate some unexpected costs that may come from having a baby and help you plan.

2. Make a Budget. Even though you have an idea of the anticipated costs ,it’s important to make sure you have an idea and set a certain budget up to help with the financial costs of this new little person. Setting money aside every month will help you when baby arrives. Since you’ll have about 7-9 months to prepare it should be enough time to make a good solid budget and have set aside money for a rainy day or for hospital expenses.

3. Know what services will be covered: There are many things that won’t be covered and many that will when your baby is born so make sure and check out what you will be responsible for. Many Insurance companies don’t cover Circumcision or Hospital Stays for parents if the baby has to stay longer than mom. So make sure and see what your insurance will cover. Also become familiar with terms like Deductible, PCP more!

4.Make sure you have an in network pediatrician for your baby. Sure there are great doctors out there but are they in your network? Make sure and ask friends about their favorite doctor then head to your insurance provider to see if they’re in network. There are many tools to help you find the perfect doctor along with reviews.

5. Don’t stress. I know it’s easier said than done and the first thing you will probably want to do is stress, but if you follow a budget and keep in mind the expenses, a baby shouldn’t be a  daunting financially hardship most worry it will be. Take it from me a mom of 5!

Because it can get pricey and there’s so much to consider, UHC wants to make it easy for you! So check out these great tips. After checking them out make sure and head below to enter for your chance at a $50 Amazon Gift card! UHC has put together some fun games,videos and more to help you learn more about various aspects of healthcare you might not know about, in the process you can win big!

One lucky winner will have a chance to win one . So head below and enter for your chance to win. Giveaway open to US only and ends on 9/30 at 11:59pm EST. Good luck!

Disclosure: All opinions are 100% mine. This giveaway is in no way associated with, sponsored, administered, or endorsed by Facebook, Twitter, Google, Pinterest or any other social media network.All opinions and experiences are Conservamom‘s. Open to US residents only , must be 18+. Confirmed Winner(s) will be contacted through email and have 48 hours to respond before a new winner will be drawn. No purchase necessary. Void where prohibited by law. The sponsor will be responsible for product fulfillment to winner(s) of the giveaway. The disclosure is done in accordance with the Federal Trade Commission 10 CFR, Part 255 Guides Concerning the use of Endorsements and Testimonials in Advertising. For questions or to see your product featured in an Event you can contact Elia At Conservamom


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  • Reply Nancy Burgess

    I haven’t had any unexpected bills.

    September 29, 2016 at 8:27 am
  • Reply Elisse

    Getting bills from doctors I did NOT EVER see and never met. And being told to shut up about it or risk getting billed. My father had the same thing happen to him when he was in the hospital: Every doctor who walked past his room signed his chart. Our lawyer told us that if we complained the insurance wouldn’t pay and we’d be billed- so the doctors and the hospitals were able to cheat the insurance companies out of tens of thousands of dollars. Criminals.

    September 28, 2016 at 8:44 am
  • Reply Nancy

    Sometimes when you are in the hospital, you get bills from specialists you don’t even remember seeing!

    September 28, 2016 at 8:14 am
  • Reply Dan Denman

    I got sick a while back and had to have a bunch of tests run. The bills were expensive.

    September 27, 2016 at 8:04 pm
  • Reply Angela Rockwell

    I had to wear a heart monitor for a month….received a statement from the insurance company…$7,200. I’m still waiting for the final bill. Just can’t think about it…Now if that bill doesn’t cause someone to have heart issues, I don’t know what would.

    September 26, 2016 at 7:44 pm
  • Reply amber treadway

    The most frequent unexpected health cost we deal with is glasses for the kids. Even though their insurance pays for one pair a year, I end up buying at least 2 extra pairs to replace their broken ones every year. I have two boys in glasses.

    September 26, 2016 at 7:42 pm
  • Reply Karla Franklin

    Vet bills. I had to eventually have my cat put down but I did everything that I could do to help her before doing that.

    September 26, 2016 at 3:26 pm
  • Reply ellen beck

    I broke my hand badly, an we ended up paying out the nose for it. It was an unexpected expense. I had fallen on the ice.

    September 26, 2016 at 2:40 pm
  • Reply Stephanie H.

    Last November, I went to the ER at a newer hospital in our area that was supposed to be the best. Well, I wasn’t impressed with the staff or the big bill they sent us a month later. I’m still paying them with monthly checks and I hope to have it finally paid off by the end of this year!

    September 26, 2016 at 8:24 am
  • Reply Debra Holloway

    I had a heart attack, the widow maker. I didn’t plan it and there was no warning. It was a large expense.

    September 24, 2016 at 7:55 am
  • Reply ellen beck

    One unexpected cost is when my husband had a heart attack and the next day was to go in to have a cyst removed. The cyst removal was postponed for 6 weeks due to a blood thinner since he has a stent. We hadn’t even gotten the bill for his heart problems when the supposed ‘cyst’ was diagnosed as cancer. The bill for the first was 50K, the cyst removal, 1K , the cancer surgery 100K+ and then add meds and radiology for 30 treatments… needless to say we just send payments to 4 different places every single month, We should have it paid off by the time we are dead. Maybe. Last year was horrible.

    September 24, 2016 at 3:53 am
  • Reply Laura Martin

    I had a thyroid ultrasound and cardio stress test done on the same day…I owed nearly $5k after insurance. Eleven months later, I had my first child and was on my husband’s (worse) coverage by then; I ended up owing another $5k. That was 6 months ago and I still have $2500 left to pay off. 🙁

    September 23, 2016 at 5:43 pm
  • Reply Jessica Lodge

    I’ve been very fortunate to not have any unexpected healthcare cost. My Mother on the other hand just went on to Medicare and had some unexpected cost with some of her very expensive medication. 🙁

    September 22, 2016 at 6:14 pm
  • Reply Sarah L

    Took me 25 tries to get the quiz to take my answers and my info. FRUSTRATING.

    September 21, 2016 at 8:21 pm
  • Reply Sarah L

    Bad programming on their site. It took me 18 times to get the quiz to give me an entry.

    September 20, 2016 at 5:04 pm
  • Reply Breanna

    I started doing physical therapy and had not realized how expensive the cost would be.

    September 20, 2016 at 8:17 am
  • Reply Katy

    I see a specialist and had some blood work done. I asked what they were testing for and they said it was just routine, general tests. I had paid company’s for that type of test in the past and knew it wasn’t cheap, but I was shocked when our part of the bill came (yes, we have “good” insurance) and I owed over $2,000. I’m still in the process of reviewing the price with my doctor and insurance company. Hopefully, our share will go down. Fingers crossed.

    September 20, 2016 at 3:46 am
  • Reply Stephanie Larison

    My husband had to have emergency back surgery for his sciatica (sp?) when he couldn’t even walk standing straight up.

    September 17, 2016 at 10:44 am
  • Reply Jeffrey

    My youngest son took a spill and gashed open his eyebrow…6 stitches later in the ER and the bills just filtered in!

    September 17, 2016 at 9:44 am
  • Reply Christal

    emergency surgery after my colon was nicked in a “routine” procedure to determine why I was having pelvic pain, I was in the hospital during Christmas and New Year’s. I almost died.

    September 16, 2016 at 8:58 pm
  • Reply Jennifer

    One unexpected cost was for kidney stones. There is no skipping hospital when it’s bad.

    September 16, 2016 at 2:27 pm
  • Reply Nancy Bowers

    Hospital accepted insurance but doctor in emergency room did not!

    September 16, 2016 at 12:39 pm
  • Reply Octavia

    Undisclosed costs from a nursing facility.

    September 15, 2016 at 10:05 pm
  • Reply Jeanine c

    ER visit.

    September 15, 2016 at 9:58 pm
  • Reply Hope

    ER visits

    September 15, 2016 at 5:10 pm
  • Reply Daniela Esposito

    Definitely an ambulance bill from a car accident. Yikes!

    September 15, 2016 at 3:37 pm
  • Reply Andrea Walker

    Awesome! I hope I win 🙂

    September 15, 2016 at 9:18 am
  • Reply joyce wilson

    ulcer burst while on vacation

    September 14, 2016 at 8:18 pm
  • Reply Dotty J Boucher

    Ambulance bill for my daughter, it was terrible..

    September 14, 2016 at 1:49 pm
  • Reply gloria patterson

    What is one unexpected health cost you’ve ever had?

    I have had 2 hip replacement surgerys and rehab adds up fast

    September 14, 2016 at 12:14 pm
  • Reply Christina Skinner

    I’ve had a lot of unexpected health costs. Especially when my husband had problems with Kidney stones and needed surgery.

    September 13, 2016 at 6:15 pm
  • Reply Sarah L

    Wow! I’ve been able to enter each one on the first try for two straight days now.

    September 13, 2016 at 5:37 pm
  • Reply Emilie M

    I’ve had some surprising costs for Dental treatments

    September 13, 2016 at 1:09 pm
  • Reply Mindi Eden

    The we had to pay for a back brace after a minor back injury!

    September 13, 2016 at 10:36 am
  • Reply Kara

    We had a fairly long stay for an asthma attack. We didn’t even know he had asthma before that so it was quite a surprise.

    September 12, 2016 at 11:07 pm
  • Reply Marilyn Nawara

    Back Surgery after slipping on the ice

    September 11, 2016 at 5:52 pm
  • Reply monique s.

    knee surgery was my most unexpected bill

    September 11, 2016 at 2:06 pm
  • Reply Christa Sloan

    I have to go to the mental hospital frequently, and my conditions are getting worse with age. I wasn’t aware I was going to have to go to the hospital that much plus sometimes I have to go in an ambulance and almost every time before I get admitted into the behavioral health unit I have to go to a normal emergency room to see a regular doctor and I also have to see a therapist once a week and a psychiatrist once a month.. I wasn’t expecting any of that.

    September 10, 2016 at 2:23 pm
  • Reply Angela Ingles

    An ambulance ride when they transferred me from one hospital to another. And emergency room costs. 🙁

    September 10, 2016 at 7:30 am
  • Reply Jennie

    $4,000 deductible, plus a percentage after that, for our new baby’s birth and my prenatal care, due by 36 weeks. We found out one month earlier. ???

    September 9, 2016 at 10:58 pm
  • Reply Nicole King

    I’ve had insurance laps and had to pay tons for my kids scripts

    September 9, 2016 at 10:25 pm
  • Reply barnolds barnes

    I had a big dental bill once.

    September 9, 2016 at 12:21 pm
  • Reply Renee Rousseau

    A broken arm while roller skating with the kids was one unexpected (perhaps) healthcare cost.

    September 8, 2016 at 11:08 am
  • Reply Theresa Jenkins

    When my twins were born they flow them by helicopter medical services to a hospital that had a to a hospital with a Neonatal Intensive Care Unit (NICU)….that was an unexpected health cost and a huge surprise, we were expecting 1 big boy and had 2 girls!!

    September 8, 2016 at 10:12 am
  • Reply karen cairns

    I thought I might be having a heart attack and drove to the emergency room

    September 8, 2016 at 9:24 am
  • Reply Jill Roth

    My emergency c-section.

    September 7, 2016 at 12:33 pm
  • Reply Deborah D

    The cost for a bandage being $3.

    September 7, 2016 at 10:29 am
  • Reply Quanda

    Having an emergency surgery done.

    September 7, 2016 at 10:06 am
  • Reply Danny Rubio

    I have a serious case of Asthma, when I went in with a Asthma attack they ended up giving me a couple breathing treatments and a shot of Prednisone and three hours later I went home. I didn’t have any insurance and I received a bill in the mail for 28 thousand dollars. To this day I owe about 140 thousand dollars in medical bills. I now have medical that really helps…..

    I stand up for the flag I stand up against violence.

    September 7, 2016 at 8:59 am
  • Reply Rita M

    For the most part we have been pretty lucky on this front… only once did we receive a statement from a radiologist that we weren’t expecting – because he was out of network & there really wasn’t much we do do about that.

    September 7, 2016 at 1:16 am
  • Reply Heather W

    When my son was born he was a preemie & ended up in the NICU. 6 days later he had meningitis. I was NOT even in the slightest imagining THAT medical bill!

    September 6, 2016 at 10:28 pm
  • Reply Angela Reed-Warren

    I haven’t had anything unexpected come yet. Crossing fingers that it stays that way

    September 6, 2016 at 7:46 pm
  • Reply Staci Morton

    My last 2 pregnancies were very unexpected!

    September 6, 2016 at 6:27 pm
  • Reply Jennifer R R

    My one unexpected health cost but being admitted to an overnight stay in the hospital back in 2013 for seizures. I was diagnosed with non-epileptic seizures from that stay but received a bill around $3,000 sometime later. THANKFULLY I qualified for their financial support and it was covered; also thankfully, my seizures have gone into remission this year. 🙂

    September 6, 2016 at 5:26 pm
  • Reply sheila ressel

    My hubby hurt his knee a few years back. Besides all of the bills he wasn’t able to work. Very costly!

    September 5, 2016 at 8:28 am
  • Reply Sarah Elyce

    My most expensive, unexpected medical cost was my appendectomy.

    September 5, 2016 at 3:05 am
  • Reply Melissa Marinho

    The cost of my rx vitamins for my Fibromyalgia and migraines. All my other rx’s are $1, these were a lot more than that, for vitamins!

    September 4, 2016 at 9:22 pm
  • Reply Cathy Jarolin

    I have actually not had an unexpected Health cost for me or my Family! We have always had excellent health care and dental coverage. We always made sure we were covered for any type of misshape. I Can’t imagine not having coverage that didn’t cover everything!

    September 4, 2016 at 9:00 pm
  • Reply Alicia C

    A prenatal lab draw that was supposed to be covered 100% by my insurance, but because my obgyn’s office didn’submit my required paperwork beforehand, it became an almost yearlong ordeal with me talking to my insurance, the doctor’s office, and the lab company. Finally the lab company dismissed my bill, so the only cost was my time, but I’d like to get back those countless hours spent on the phone.

    September 4, 2016 at 1:27 pm
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    September 4, 2016 at 1:56 am
  • Reply SUSAN, TN

    When my son was in the 6th grade, joined the wrestling team & blew his knee out 6 wks before the end of the yr. We had a huge deductible & it had not been met. Neeless to say he had to have knee surgery, months of therapy, & had to have his knee in this machine for 12 hrs a day for 6 wks. Expensive!!
    That sucked!!

    September 3, 2016 at 2:56 pm
  • Reply Haley Cook

    I was shocked to have a “new patient fee” that was never mentioned to me. I guess I should have assumed and asked beforehand but I figured any fees would be listed in my paperwork or explained before my first visit.

    September 3, 2016 at 2:17 pm
  • Reply Amanda Collins


    September 3, 2016 at 2:14 pm
  • Reply Jo-Ann Brightman

    My gastroenterologist prescribed a medicine that was not covered by my insurance.

    September 2, 2016 at 8:49 pm
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    September 2, 2016 at 9:27 am
  • Reply sandra

    the anesthesia provided during my c-section

    September 2, 2016 at 8:42 am
  • Reply Rebecca Xavier

    An ambulance ride for emergency surgery that was not covered.

    September 2, 2016 at 8:19 am
  • Reply Laura

    When I had to have exploratory surgery.

    September 2, 2016 at 2:03 am
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    September 2, 2016 at 1:32 am
  • Reply Cindy Kong

    I don’t have one, and I hope to keep it that way..

    September 2, 2016 at 1:29 am
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    September 2, 2016 at 12:24 am
  • Reply Amy Hall

    The homebirth midwife will be the biggest expense next time! Used clothign and toys, breastmilk, cloth diapers already used on two kids (I’m sure they’ll wear out at some point, but have already saved us thousands so that’s OK).

    September 1, 2016 at 11:40 pm
  • Reply Kara Marks

    Getting diagnosed w/ MS at age 31–there have been many unexpected expenses over the years!

    September 1, 2016 at 11:39 pm
  • Reply Ashley Chassereau Parks

    We haven’t really had anything that we haven’t expected. I’ve had both of my children at a local natural birthing center (ran by midwives) and we see a chiropractor. We are rarely ever sick and I hope we stay injury free!! lol

    September 1, 2016 at 9:51 pm
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    September 1, 2016 at 8:46 pm
  • Reply Sarah L

    Problem!!! The first and third entries are the same. One of them needs to be

    September 1, 2016 at 6:47 pm
  • Reply Sarah L

    When they raised my Remicade infusion from $200 to $500 every 6 weeks. OUCH!
    Thanks for the contest.

    September 1, 2016 at 6:45 pm
  • Reply Brenna M

    A knee replacement. :/

    September 1, 2016 at 4:20 pm
  • Reply Mia

    Having something get in my eye and having to go to the emergency room.

    September 1, 2016 at 4:11 pm
  • Reply Natalie

    An unexpected healthcare cost I have had was when I broke my finger while playing tag on cross country skis. I had not met my deductible and the doctor’s visit was $300!

    September 1, 2016 at 1:30 pm
  • Reply Amber Ludwig

    Hubby sinus surgery!! We got random bills from everywhere!!

    September 1, 2016 at 12:05 pm
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