The bills for my c-section were pretty big, but insurance covered.

I can imagine they were big. There are few things more major than a non-laparoscopic abdominal surgery.

Because of my stupid employer, I've had 3 insurance companies in 3 months. And I managed to get useless mail today from the 2 of them that are no longer in use (a service survey and how to get the list of their "formulary" medicines).

Bwa ha haaa! That is so like bureaucracy. :)