the out of pocket maximum with private insurance, the problem is that it resets each year and can quickly drain savings 
The hospital should have social worker on staff so I would start there, if your wife is eligible for Medicare or Medicare disability that will help. Also ask about the possibility of "Dually Eligible" Criteria is determined by the state but the social worker can help!
https://www.cms.gov/outreach-and-education/medicare-learning-network-mln/mlnproducts/downloads/medicare_beneficiaries_dual_eligibles_at_a_glance.pdf
People who have both Medicare & Medicaid
https://www.medicare.gov/basics/costs/help/medicaid
"People who have both Medicare and full Medicaid coverage are “dually eligible.” Medicare pays first when you’re a dual eligible and you get Medicare-covered services. Medicaid pays last, after Medicare and any other health insurance you have.
If you're dually eligible, Medicare covers your prescription drugs. You’ll automatically be enrolled in a Medicare drug plan that will cover your drug costs instead of Medicaid. Medicaid may still cover some drugs that Medicare doesn’t cover.
You can still pick how you want to get your Medicare coverage: Original Medicare or Medicare Advantage (Part C). Check your Medicare coverage options... "
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