You are NOT nobody. You are strong mother and wife who is trying to keep her family together. We are going to go through this one step at a time and we will figure it out. Breathe =)
Check your insurance policy. Generally, when you have a deductible once you have paid that amount for the year, the insurance company is responsible for the rest. So even if the hospital applied that money to services previously owed, ,the insurance company would have to pay any outstanding balance.In most states by law you must be told specifically why you are being charged and for what... the hospital must tell you what services were performed and on what date. Talk to their billings department. You can also request how you want them to apply your money. Notify them that the $1500 was towards the birth of your child to meet the deductible and then let the insurance and hospital fight it out. Send them a formal writing that you were never notified of any previous balance nor were you informed that your payment would go towards said balance. And just state that the $1500 was specifically for the bill regarding the birth of your baby to meet the deductible, and you want a receipt reflecting it. Send the receipt to the insurance company. You can also negotiate the amount. Work out a payment plan for the money owed, if they can successfully show you owe it. Otherwise, you can switch hospitals and work out a payment plan with them (or even your current hospital) for the deductible. Many hospitals also have programs that help patients when they cannot pay their bill. You cannot be denied medical treatment due to inability to pay - that is fed law. You could also find a clinic - this depends on your state- but there are places that will charge little to nothing for prenatal care and delivery. If you are in California you can try St. Francis Medical Centers.
Call up your creditors. Renegotiate the debt with them. Depending on how much you, you may just consider bankruptcy. But it may be that you do not owe enough to warrant such drastic measures. One of your days off just start calling and ask what is the least they will accept to settle the debt as paid in full. Let them know you are considering bankruptcy. Many places prefer getting something rather than nothing and may knock it down up to 50% (sometimes more if it is an older debt). Look up the laws in your state. There is a site called stopcreditorsnow I believe and it lists the various laws by state. For example, in Calidornia a creditor cannot threaten to sue you in order to exact payment. This can incur a penalty up to $2000. You can use the law as leverage to fend the creditors off. Just because you owe the money does not entitle them to harass you. You still have rights. I would not advise bill consolidation as it looks just as bad as a bankruptcy on your credit and you still need to pay it back. If you decide on bankruptcy, legal aid can help you file at no cost to you.
Have you tried applying for any type of government assistance programs? 311 has info on the services you may qualify for in your state. Your state website may also have more information. You can make your husband head down to the welfare office and see what you can get. There is no shame. You are paying taxes, and your husband paid taxes when he worked. This is not a handout. At the very least you can get food stamps. Check too if there are any more affordable health insurance options. You can also try the following sites along with any resources provided by social services:
I am not sure what you may be considering regarding your new child. But if you want the baby to be born well and healthy then you need to figure out a way to mnimize your stress. You could lose the baby. At some point, you just have to relinquish control and trust it will all work out. All children are a blessing no matter how they come into this world, as Jesus' birth has shown. Take care of yourself please. You need to stay healthy for the sake of everyone.