is it really $45k in US? Or just the company told you they are billed 45k but they "negotiate" it down to 10k. In my country a birth in private hospital cost $3k...
I'm sure there are all sorts of negotiations and esoteric adjustments going on behind the scenes - $45k was the total of the itemized invoice sent to my insurance company. I'm unsure exactly of how much it will cost me out-of-pocket, but I'm expecting $3-4k.