Baby number one: Insurance paid most of it, I had a high bill but still could swing it ... that was 2010. Baby number 2, HUGE bill... It took me over a year to pay.. insurance deductibles had gone up etc... 2 miscarieages (that I am still paying! were a big financial hit.
Come baby number 3 in 2015/2016, a 4 thousand dollars deductible and a january baby, things could have been badddddd.. BUT, after MUCH MUCH digging, I found out that my state (CT) has some sort of temporary medical plan that helps with hospital and prenatal bills... and also covers my baby for the first year. Oh boy.. it was SO HARD to get this paperwork done and to find out about this.. I only got it done at the last month of my pregnancy.. and after much more paperwork and appeals, I managed to get it retroactive 3 months. So I missed the "Level 2 ultrasound" bills.. but they covered my deductibles and co-pays for the delivery and the rest of pre-natal care. HUGE deal! They saved me 4 thousand dollars more or less. So long of the short is, as soon as you find out you are pregnant, if you are on a bad insurance situation (high deductible), dig dig dig...
Dig what all the people on some sort of financial assistance do.. check your sstate website.. even if you think you make too much money to qualify... Do it soon! My level 2 ultrasound bill was ridiculously high! And it sucks that they don't tell you BEFORE hand how much you are going to pay. Trust me! I tried, but the "terrorism" of not knowing if your baby is ok is stronger than the fear of the bill.
More: After the baby was born, I also found out about a program that gives us some food allowance every month, including formula. Again, I wasn't suppose to "qualify" because I am not "poor enough", but after much digging, I qualified because I was on state insurance (because I was pregnant and they keep you in for 3 more months). One year of food assistance. Hey, everything helps.
One thing you can't buy.. You can't find ot cheap nor second-hand... but you wish you could: TIME!
You will be seriously busy and sleep deprived for the next months.. no.. next few years... no... next many many years... So, fasten your seatbelts and get ready for a crazy ride: Welcome to Motherhood!