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/Concerned-23]

You could get married and add her to your insurance.

I would check to see if your insurance has a spousal surcharge and how much the premium increases to add a spouse. My husband’s insurance premium is almost 3x higher for employee+spouse than employee only. He also has a $200 per pay period spousal surcharge to add a spouse to his plan if they have other coverage options through their employer.