Hi!

It's all so confusing! Just one thing I wanted to bring up that stumped me with our fund is that there is a waiting period of 2 months before our baby was covered. I am covered for the birth and stuff but if by some chance the baby is early and has to be in NICU we have to have had a 'family' membership for 2 months so thats all paid for.
Just something to look into if you were going to get baby insurance, I'm sure not all of them do it but it would pay to find out!