Scheduled C-Sections that are elective (by choice for convenience or other reasons) before the baby is in his/her 39th week increase risks, and may land the premature infant in the neonatal intensive care unit. Full term is considered 39-40 weeks, and according to some reports NICU stays can add $20,000 to the bill. See Cesarean Delivery on Maternal Request, from the American College of Obstetricians and Gynecologists (ACOG), January 2019.