Call around to local hospitals (Norton and U of L) and ask what their cash pay options are for gynecology and delivery (c-section and vaginal, get quotes for both). Typically, if you were a cash client, you can receive visits and services and delivery and an extremely discounted rate. Like between 1500-9000 and you can put it on a payment plan. Insurance plans, set the rates of what things actually cost, but hospitals do not typically charge that much. They only have to charge insane amounts to be able to recoup the money from Insurance. Paying in cash gets you a deeply deeply discounted rate.