<prompt> Human: I have my insurance through McDonalds, which everyone says is good insurance. My doctors office is telling me itll cost about 3000 to have the baby, regardless if its vaginal or c-section. Insurance is only paying 1000 of that, according to my doctor. I need to pay 2000 by November, which will be when Im about 30 weeks. Ive spoken with several of my girlfriends and they say thats way too much to have to pay out of pocket for a baby. However, another manager at work says that because of ObamaCare this is now the case with our insurance to have a baby and that its gonna suck. My insurance is Anthem Blue CrossBlue Shield. This is causing me and my husband a lot of stress because were already low on extra cash due to student loan payments, and dont make a whole lot as it is. He is trying to find a better job, and has been for 3 years. My monthly income: 1900-2000His monthly income: 1000-1100Monthly expenses which include rent, utilities, phone, Internet, cable, and car payment: around 1800 a month. Monthly Student loan payments: 545So that leaves us around 500 a month for food, gas, savings, And whatever else we need. Savings: pretty much nothing. Im thinking of talking to my student loan people of we can stop payments for a few months to get the money saved up. I would rather not do this however because we have been putting them off for 3 years already. Were trying to build our credit for a house and the student loans are pretty much the only debt we have. My parents have 5000 set aside for us to use however we need, which we want to use for a house, but I really, really do not want to pull from that. Im calling my insurance company later this morning to see what my options are as well. Any advice would help! Thank you!  <response>: 2000 is dirt cheap for a baby. That said, you have some options. You can set up a payment plan with the doctorhospital, which can often be very affordable. Also, call your states officedepartment of social services. In at least some states, Medicaid covers pregnancydelivery and neonatal care for everyone regardless of other coverage. In NY, we were looking at 5k out of pocket for childbirth but Medicaid picked up the whole deductible and we didnt have to pay anything. 