I have heard that for a birth (since you have some advance notice), you can go in to the hospital, sit down, and say "I will be having a baby here, and I will p

I have heard that for a birth (since you have some advance notice), you can go in to the hospital, sit down, and say "I will be having a baby here, and I will pay in cash, in full. Let's hammer out some costs" and maybe actually negotiate something acceptable.