Every insurance does it different and every insurance policy has different deductibles. I had my baby at the same place my OB's office was at, so my costs were all rolled into one (doctor visits and delivery) and we prepaid what was considered a "normal" vaginal delivery with no extras added in. I think in total we ended up paying was around $1500, but that was because my son had to have a couple extra tests ran while we were in the hospital. If you consult with your insurance company they should be able to give you a good estimate on what you will end up having to pay. Like I said, my OB's office had me start to pre-pay what my insurance wasn't going to cover four months before the baby was due and they were able to put me on a payment schedule so I didn't have to pay everything at once. The only things we were billed for beyond what I prepaid were the extra tests that we had to have done and the medication that I was given in the hospital. The pre-pay also included my 6 week postpartum check up as well as my baby's first check up.