> Surely this is some marked up price for insurance?
Maybe. But they’ll absolutely try to get you to pay the full price. They might also demand payment up front. In either case you might be able to pay less if you negotiate, but maybe not.
If you’re insured you’ll pay between $0 and the full price of the discounted insurance rate (which this may already be close to—it depends where the numbers come from) depending on the insurance plan you have and how exactly it’s already been used. If you’ve already spent a lot of money “out-of-pocket” this year, you may have hit a limit that triggers 100% from insurance until the year’s up, usually a calendar year (try not to split a pregnancy over two calendar years…)
Then there’s whether the hospital’s in-network for your insurance, and maybe separately whether the doctors are and whether any testing facilities used are—that is, whether the insurance will pay for service from these providers (which may sure look to you like just one provider-entity, but might not be) at all. Sometimes almost nothing is in-network once you’re more than a couple hundred miles from home (and plenty within that radius might not be either), depends on the plan.
[edit] oh and if you ask anyone involved what you are going to have to pay, they’ll treat you like a moron. If you persist, they’ll send you on a wild goose chase of paperwork and billing codes and talking to more people who act like you’re a moron for thinking that was a reasonable question. You probably won’t ever figure it out, just have to wait for the bill. And then the inexplicable second bill. Then three more bills scattered over the rest of the year, two for entities you can’t identify without some phone calls, usually without even specifying on the bill WTF they’re asking you to pay for.