Just wondering if anyone is having a difficult time figuring out medical insurance timelines for baby? We aren't sure if we should add him/her to mine or my husband's plan, and when will coverage kick in because don't they do a one or two week appointment? My plan will cost us $400 a month but no deductible, DH's $300 a month but $1000 deductible. I have an HMO, he has a PPO...so confusing. Plus I'm not sure if my insurance will stay active while I'm on maternity leave? Any info or advice?