Oh man, that's all awful. The one thing you really really don't need to have hanging over you when you should be welcoming a new one into the world. Fwiw; we had all 4 of ours on the public health system in Ireland. We had midwife-led delivery of all four, three in a private suite with integrated facilities. The one time a doctor was needed, they appeared within a minute.

Cost to us: nada. Zilch. Not one cent.

//