When I had my little one insurance was not a problem. We went and checked in the morning of my c-section and handed the insurance card. I filled out some paper work pre-surgery in the post op area and that was that. About a month later I got a copy of the bills that were already paid. Between my and my son's bills it was somewhere near $9-10,000. My cousin had her baby a month before vaginally had a bill that was about 2500. Mine was more because of the longer stay and my son having some extra tests. But yes there was a break down of charges.