Uy mommy, I totally get the worry about billing, nakakastress talaga! But honestly, since you're 38+ weeks and your cervix isn't progressing, it's better to be admitted na para ma-monitor nang maayos, especially kung ang OB mo ay kailangan ng close supervision para sa meds, yan ang best for baby at para iwas complications. A few of us naman had similar situations, at mas comfortable kami knowing the doctors were right there, kasi once labor starts in the hospital, everything's ready na and covered na rin usually. Talk to the hospital about payment plans or what's covered, sometimes makakadiscount pa if you ask directly. Wishing you a safe delivery tomorrow, mama!