Cost of Having a Child in NYC?

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    Disclosre – Not yet a father.

    (Yes we have a Rav – but this post is purely about the “numbers”)

    I am a graduate student so I don’t have a full time job, BUT I have 15,000 in investments and about 5, 6 K in savings right now. Between all my odd jobs, I can raise those numbers by a few thousand dollars over the next year

    The question is how much does it cost to have a child (in NY area)? I know there are a lot of websites out there but I am interested in hearing from real people…I applied my wife (I am covered for a couple more years) for medicaid about a month ago. Does anyone have medicaid in the NYC area? How long does it take to get it/approved? Under my plan, we would have insurance for the baby once the child would be born, IYH.

    Thanks for your help.



    You preferably should have hired somebody to do the paperwork and answer all your questions. If your wife isn’t expecting yet, she might not be eligible income-wise, but I assume you know the numbers/rules. You could technically get paid retroactively once you become approved (for 3 months prior) but they pay pennies, not related to how much you actually paid, and it’s a pain till you get reimbursed. I think a new case takes a few months, don’t know exactly. There are doctors that take a flat fee in cash, which I heard was $5000 many years back, but I’d assume if anything gets complicated it’s way more. Talk to a professional, your best bet might be to buy insurance until/if she gets approved. Also, it may be tough to find a good Medicaid doctor. Good luck!



    Sorry, the part about doctors taking a flat fee is only for the doctor, doesn’t cover the hospital. Probably isn’t a good option for you.

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