I don't have any sound numbers to give, just my recent experience. I found out my wife was pregnant during open enrollment, so I switched to the more expensive low deductible plan thinking for sure I'd hit the lower out of pocket max of $3,500 per person. We didn't. Got to around $3,000 OOP ($500 deductible). That included monthly specialist visits while pregnant including bi-weekly in the third trimester.

Although the costs were about what you describe, I didn't realize that many of the pregnancy bills are paid at a much lower coinsurance after the deductible. An error on my part of really digging in to the coinsurance outlines.

Also, the initial in-hospital pediatrician visit, various nurse newborn tasks (blood, blood sugar, nursery), and audiology screening were all billed to my son--separate deductible.

In retrospect, I found that I would have come out ahead (albeit by only a couple hundred $) by staying at the lower cost $1,500 deductible plan.

Not saying your experiences will be the same, but something to think about. You can call the hospital for an estimate (add about $3,000 for anesthesiologist separate bill--if you expect to use) and expect the real bill to be slightly lower; they over estimate in my experiences (did the same for my sons surgery).