This is exactly right and many people would be surprised to find out exactly how much a hospital stay can cost. Our son was partially delivered when the OB move

This is exactly right and many people would be surprised to find out exactly how much a hospital stay can cost. Our son was partially delivered when the OB moved the umbilical cord from his neck and it ruptured. Long story short, three days in the neonatal intensive care unit cost about $40k. We paid almost $5k out of pocket after the insurance and some hospital discounts were done covering the rest. The costs could have been significantly higher if there had been any further complications or treatment, we were lucky the three days were essentially just for observation.