When my wife was pregnant, and on health insurance that didn't cover pregnancy she told her doctor she didn't have insurance. End result flat fee, under 2K to have the baby and about double if a C section was necessary.
I can only tell you what the average of the two C sections we were billed for cost. Uninsured cost of a C section without a prolonged stay in the hospital appears to be under $10k, anecdotally from G searches on "uninsured C sectio cost". Our son stayed in the NICU ($$$$$$$) for a week; your wife can also wind up in the hospital for an extra day or two.
Yeah I am glad we dodged that bullet. The insurance was odd they wouldn't cover the pregnancy but they would cover the kid after birth so any NICU costs would have been covered.
This isn't odd; it's standard. Covering normal pregnancy and birth is a pricey add-on if it's available at all, but by law the new child must be covered.