Natalie was pregnant and had been going to her OB$-$GYN appointments for her whole pregnancy. She had a health insurance policy with Best Insurance, Inc. She paid $$500$ copay in total for these appointments $($Her doctor was in$-$network$).$ She was planning for delivery at an in$-$network hospital with her doctor.

Due to some complications, on July $28,$ she was taken into the ER at her chosen hospital. Unfortunately, her chosen doctor was out of town on that day. Instead, an on$-$call doctor, Dr$.$ Smith, at the hospital took her case. Natalie did not know that Dr$.$ Smith was not in her insurance network. Luckily, the baby was delivered safely.

On the baby's $2^{nd}$ day $($July $29),$ the hospital usually does a hearing test. Even though, this test can be done with a pediatrician later, Natalie chose to do it with the hospital.

Because of the complications, Natalie and her new baby were discharged on July $31,$ one day longer than usual. They spent $4$ days in the hospital.

Here is the hospital bill for Natalie and her baby $($before insurance$)$:

Hospital room and equipment: $$2,5004$ days $=$$$10,000$

Care for the mother $($to pay the nurses$)$: $$5004$ days $=$$$2,000$

Care for the baby $($to pay the nurses$)$: $$5004$ days $=$$$2,000$

Hearing test: $$1,000$

Dr$.$ Smith also sent Natalie a separate bill:

Delivery: $$5,000$

Care for the baby right after birth: $$3,000$

Some information about Natalie insurance:

Deductible: $$1,500$ aggregate, applied for the policy as a whole, part of out$-$of$-$pocket amount

Coinsurance: $\frac{20}{80}$

Maximum out$-$of$-$pocket: $$2,500$ applied for each person on the policy

Newborn baby should be covered under the mother's insurance for the first $3$ days.

Some additional information about the baby's insurance.

The baby's insurance would not kick in until the start of the next month $($Aug $1).$

For simplification, the baby got a new policy $($instead of being Natalie's dependent$)$ with same terms as Natalie's.