If my insurance covers 60% of out of network, is it a bad idea to give birth at an out of network hospital?

I’m in Utah. If that matters, for the Medicaid coverage (I have two insurances).

My reason being that it is like double the quality of care at that hospital, vs the in network options. But I have no idea how to read benefits tbh. I just got the best insurance my job offered. It’s the type that covers things even before the deductible is met.

I have select health:

In network: Covered 80% Deductible per person/family: $1,000/$2000 Out-of-pocket maximum, per person/family: $2500/$5000

Out of network: Deductible, per person/family: $2000/$4000 Out of pocket maximum, per person/family: $5,000/$10,000 Covers 60%

I also have Medicaid, selecthealth. Select health told me they follow my primary insurance on coverage (so 60%). I don’t get what that means. So 40% isn’t covered no matter what?

I have a dependent who just got involuntarily hospitalized for 4 days; not sure what the bill is, but likely at least $10,000. Not sure how that plays into what I’ll have to pay for birthing costs. He went in network, I believe.

I’m calling select health today to get more clarification and also the hospital to get a bill estimate of the costs.

Is this a bad idea? Also, if someone has time and patience (and wants to do it), will you explain to me what a deductible vs what out of pocket is?