Even with insurance, many plans have a deductible that requires you to pay the first couple grand on your own before they’ll cover anything, and even once you’ve paid that amount they will require you to cover a couple hundred per day of hospital stay (doubled for two patients: mom + baby).
It is entirely normal to pay thousands of dollars for a normal uncomplicated hospital birth even with insurance.
I’m not saying you’re wrong, but the party line is that only unencrypted chat can be read by the server side ai. if you try to have it summarize an encrypted chat it will tell you it can’t