Girlfriend is pregnant with $3500 deductible and 20% copay

[u/milwaukee4]

My girlfriend has Aetna insurance through her job with a $3500 deductible and $7000 OOP max. Her OBGYN gave us a paper today to sign stating that we will have to pay them $3803 for the delivery because of the $3500 deductible plus $303 for a 20% copay. It also said that this does NOT include the hospital stay fees, which I guess could be another couple thousand or maybe even another $3500 and eat up her entire $7000 OOP max.
She makes $65k a year so she won't qualify for most programs and we could pay it if we have to but I am wondering if anyone has any advice/ideas for us to help lower this massive amount? Some sort of supplemental insurance or a government program that anyone knows of? My insurance deductible is only $500 but we are not married so I don't think that my insurance can be used in any way. Even if we had a shotgun wedding could my insurance somehow be used to help?

edit: she is only 11 weeks pregnant

Thanks In Advance

[u/Suspicious_Sandwitch]

The costs of medical care in this country are RIDICULOUS. Why don't you go tell the health insurance CEOs that they might have to "grow up" and abstain from purchasing a 4th property or a yacht like spoilt toddlers with too many gadgets in their toyboxes? Haha but of course not!

[u/[deleted] → u/Suspicious_Sandwitch]

I don’t need to tell the CEOs anything. Medical care is extremely costly which means health insurance must also be costly. There is no way any insurance company can offer plans with guaranteed acceptance, no pre existing condition limitations, no dollar amount cap on benefits and no lifetime limit and comply with medical loss ratio (and issue rebates if they don’t) without charging a high premium. Doctors and hospitals charge a lot of money. That’s the system we have in this country and we all have to work within that system or be uninsured.