Good advice from WC.

Really, sometimes we just have to throw our hands in the air and surrender. There's no easy answer here. All you can do is the best you can do, ya know? I know someone who made her financial desperation known in a church, and a member anonymously gave her $10,000, no strings attached. I looked up "medical indigence," and you wouldn't qualify because your husband has insurance; this program is for people who don't have any coverage. I thought the whole purpose of the ACA was for every person to carry insurance, right? Go figure. The way our government rewards people is a mystery to me.

One thing I would suggest is this: Sometimes you can get bills from hospitals that aren't final because insurance hasn't been billed yet. Before you panic, wait for the final statement. I received one such bill for $30,000 and almost had a heart attack, but this amount didn't reflect the agreed-up contract reduction negotiated by the insurance company OR the amount paid by insurance. That's all insurance is good for, IMO...a hospital may charge $40,000 for an appendectomy, but BCBS, for instance, has determined that $13,000 is a reasonable and customary charge, and then the insurance pays 80%. Also, your husband's insurance may have an annual out-of-pocket limit.
Don't teachers have insurance provided by your state? If so, I think those policies are pretty generous.

I would be in touch with the hospital ASAP, though, and ask to speak to their financial aid people. The hospital's website probably has a financial aid section with forms.