Having a baby should not be treated as an illness. Just as routine preventative care is covered 100% by insurance before deductibles, so should routine, uncomplicated prenatal care office visits, labor and delivery care and postpartum care. For as much as we pay for health insurance premiums, these things should not be an added cost and burden for expecting parents. I understand if there are complications that would be charged towards the deductible, but an uncomplicated pregnancy and delivery should not cost thousands of dollars out of pocket if we have health insurance. Nor should Inpatient newborn after birth care cost anything out of pocket if the baby had no complications.
Who is going to pay for this? Medical sharing programs that encourage sober living are a realistic way to pay for expensive professional care. Government do-good programs have only driven up the debt. The insurance industry determined one hundred years ago that the type of comprehensive medical care you are suggesting was not financially viable and the government(taxpayer) would have to subsidize.
When women with unsober lifestyles have children, the medical complications and costs can bankrupt the entire system. Sober mothers are paying extra for other’s problems. Suggest you stop expecting insurance companies to cover any of your healthcare or keeping your family healthy and invest in a private medshare program plus physicians who avoid the government/corporate payments. Third party payment of medical costs sounded good in 1943, but this is a failure, especially when the government uses taxpayer money to “help” people. The COVID disaster would never have happened if we still had private physicians instead of HMOs.