Ive already got the bill....the hospital I go to and obgyn practice actually gets this out of the way first tri...and I know what my insurance pays for either vaginal or c-section delivery and all prenatal care...the only wild card is possible nicu complications or maternal complications...its all a pre-negotiated price otherwise (they even have ibuprofen/tylenol on the bill which I find perplexing because I've never had either in the last three deliveries nor been offered it

)
for ED care though I have gone and not had insurance and it was three times as much as a self pay than as an insured pay(stitches, easy to compare).....I had to fight tooth and nail with billing to get the bill down to a reasonable number
I mean, I get what you're saying totally...don't misunderstand me... but my experience hasn't been the same as yours though I know your experience isn't unique but then neither is mine
I really can't help but wonder if this really boils down to location is what I was really getting at