We do, so it could be A LOT worse! We have a $3000 out of pocket max though. We'll see when we get the bills.
That is nothing compared to most plans. And how were you at $3k in savings and 6 months out from buying a home (you did say that visit would drain your house savings)? You think you will find a house for $15K? Shiit, you will be lucky if $3k covers your closing costs.
Honestly, if that will break you- you may want to reconsider the whole buying a home/having a child discussion at this time. On an 18 month interst free payment plan (which many hospitals will do if you bother to ask), that monthly payment comes out to less than $170 a month.