Having a baby costs more than you might think. These tips can help you save. Your baby is ready to arrive any day. You think you’re prepared, but you may be surprised by the expenses that accompany the birth or adoption of your first child. While you can’t put a price on this new happiness, you can plan for the immediate costs. Delivery Costs You probably already know whether your doctor is in your insurance company’s network of providers. But have you checked the hospital’s status? Most health plans require smaller copayments if you have your baby at an approved facility. Also, call the hospital you expect to use and ask for an estimate of average out-of-pocket expenses. You may be interested in a home birth. Although the American Pregnancy Association says that uncomplicated vaginal births cost about 60 percent less in a home than in a hospital, there are other expenses to consider. You might want to hire a doula (labor coach) to work with you before the birth and postpartum. And in many states, the law requires you to line up an Ob/Gyn, as well as a midwife. All of these health professionals require either direct payments or copayments along with health insurance. One-Time Purchases Most items you’ll only need to buy once, but cribs, strollers and car seats can still get expensive if you aren’t careful. Ask your friends and family what they couldn’t do without and check websites like BabyCenter and Amazon to see lists of “must-haves” compiled by other parents. Check used-furniture stores or consignment shops for furniture that can do double-duty, like a dresser that can also serve as a changing table. If you have two cars, consider buying two car seat bases, instead of two entire seats. Ask for used items that your baby may grow out of quickly, like a swing or bouncer, from friends. Then pass them on to minimize clutter and make way for your baby’s next stages. Whether you're buying or selling used gear, though, always check the list of recalled products from the Consumer Product Safety Commission to be sure the goods are safe. Ongoing Costs Childcare, diapers and formula are the top three new-baby expenses according to Parenting.com research. There are ways to contain these costs. Share a nanny with another family or pay for childcare using pre-tax dollars from a flexible spending account. Buy disposable diapers in bulk through programs like Amazon Mom. Buy breast-feeding supplies like storage bags or breast pads as needed, instead of in bulk. Ask for formula samples each time you see your child’s pediatrician. "What Expenses to Expect When You're Expecting | Nationwide Insurance." What Expenses to Expect When You're Expecting | Nationwide Insurance. Nationwide Insurance, n.d. Web. 12 July 2013.