<prompt> Human: eta some stuff at bottom of postSo Im sitting in this hospital bed just waiting for the labor to progress. The reason Im writing here, even though its unfortunate I have to think about this at this time, is because Im currently in a different state united states citizen from where I liveam employed- so Im pretty sure my insurance isnt going to cover jack for this whole ordeal. Im worried about just how much this bill will be. Ive already told the doctor that if it is safe to do so I would like to leave asap after the baby is delivered of course to prevent further charges. Im still considering not getting an epidural to save that cost as well, although mentally Id much rather not feel any more pain with this nightmare. I wont know just how much Im facing for a while, but Im sure its safe to assume were looking at a lot, possibly 10k? Thats just a guess though. I wouldnt be shocked if it was well more, considering what US hospitals charge for everything. I also have never planned a funeral. ...we were thinking cremation, and Im sure the funeral home can give us a quote when the time comes. No seperate ceremony or anything. I hope it isnt too steep. So, I guess Im just wondering if anyone has any helpful advice with regards to saving a bit of money on these types of things andor the best way to manage what will surely be quite the financial burden most effectively? Me and my husband are both employed, and I will definitely try to pick up as many shifts as possible extra RN. My husband is a bit more limited since hes a professormusician and where we live isnt the most happenin place for him to pick up some decent gigs for extra cash. We have a mortgage and 3 kids at home so obviously those things are still a factor. Im just so lost... I guess Im just hoping for some sort of guidance with this type of thing. Anything. I never thought Id be in this position...and everything feels so crazy. I guess this is the only thing I might find answers for in this whole mess, and I sure would appreciate any advice. Thanks in advance for your time. So while I was in labor, it obviously became much more painful and I just could not keep up with my replies. I was reading though, and I want everyone to know that I did read every single reply and I went back to the post to catch any replies that do not show up in my inbox. I will respond here. Im not sure I can reply to everyone individually, as so many of you reached out- and I cant express enough thanks for that. - many of you also have unfortunately had similar experiences and Im so, so sorry for your loss. And thank you for allowing your experience to help another. I did end up getting the epidural for thos who were concerned. I am still in the hospital, and the doctor will probably see me later this morning I couldnt sleep much, Its 3:45am currently. I put someone in charge of calling funeral homes, as so many of you had great suggestions with that and finding a place that could offer an at cost and some places, free or close to it. UnfortunatelyApparently in this area only 2 places even accept stillborn babies, and 1 was about 2k before the urn and they told us you HAVE to buy at least some certain type of urn. Many of you have said that is not true, but this person did not argue with them, she just gathered the info. The other isnt much better, but apparently I dont have much choice either. I will call them tomorrow as I can manage a more stern demeanor when inquiring about specific thingsdealing with ruthless upselling. a kind redditor and another looked up some more generalized info who works in insurance actually extended a helping hand and is offering me some more personalized without personal info guidance, which is so nice and will hopefully lend some answers while we get to figuring out the nitty gritty of it all. Ive had a few troll messages, and if you are one please know that Im an adult who knows when and how to ignore- luckily it doesnt get to me but I do hope you reconsider your actions when messaging others as they may not be as stableprepared for such a thing, especially when dealing with profound tragedy. Im quite tired atm, so I will update again later. Thank you all for your help, suggestions, condolences, etc. Much love to you all. Assistant: Hi there, Im so sorry youre going through this. Im an actuary - your insurance will cover you. One of the essential benefits granted to you by the ACA is that emergency care must be covered at in-network rates. You do not need pre-approval or anything for your situation. Please, do what you need to do to take care of yourself - both physically and emotionally. Human: Thank you. I just really, really feel like this wont be considered necessary or emergent I guess. I worry a lot : Thank you for your reassurance :  <response>: Im a physician. Intrauterine fetal demise is a medical emergency, the baby must be delivered as soon as possible due to increased risk of DIC fatal if untreated. Also several hospitals Ive worked in have deals with funeral homes to cover the cost of funerals for this situation at no cost to the parents. 