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/cottonidhoe]

FYI median price for uncomplicated vaginal delivery is 11k-13k, it will heavily depend on OP’s location in the USA.

Even if it’s close to 20k, 20% of 20k is 4k, and she’s paying 3.8k for prenatal care, you can see how it’s right around 7k, so in a rural hospital with no anesthesia or complications I can’t guarantee that they’ll hit 7k.

[u/HeftyBreakfast → u/cottonidhoe]

I got an estimate for 30k in a low/mid cost of living area for an uncomplicated non medicated vaginal birth. This was pricing up to June 2024 so it's only gone up since.

That also didn't include any ultrasounds or bloodwork leading up to the birth as well.

[u/thrombolytic → u/HeftyBreakfast]

And it's so hard to plan for the bare minimum (and pushes women into choices they might not otherwise make!!!). I, of course, wanted an all natural birth with my first 10 years ago but I had everything you could possibly have for a vaginal birth minus the actual birth, plus an emergency c-section. My son was born with bacterial meningitis and required a 2 week in patient stay in peds. Our bills were over $500k for that. And I had zero control of the outcome.

[u/HeftyBreakfast → u/thrombolytic]

I’m having twins so their estimate for a non complicated unmedicated birth of one baby was immediately not accurate so I don’t even know why they bothered to send it. Since it’s multiples I’ll automatically be giving birth in an OR room within the L&D floor and they will have two teams of NICU nurses on standby outside of the room in case they’re needed. The only thing the estimate helped me realize was that we’ll be hitting our family OOP max by the end of February.