Healthcare for mom and baby

Please forgive the long post as the new baby and insurance game is all very new to me. So many questions in our brains.

My fiancé(24F) and I(29M) are expecting our first baby in November. She has coverage through her Dad’s place of work in WI (local school district). I currently have my own insurance through work (major US airline) and she works for the same airline. We have relocated to GA and when searching for in-network healthcare providers we are not finding our preferred health facility. Actually, when we search through his in-network providers we find nothing within 150 miles. Is it safe to assume we would pay out-of-network costs for her care because there is not local facilities that are included in her dads insurance? It seems odd that there are so few places that are considered in-network but perhaps that is due to not being near the policyholder. Does anyone have experience with this?

With that being said – Does it make more sense for us to do a life-changing event and get her her own insurance policy through work that would have our preferred clinic included as in-network?

If we did decide to get her her own insurance plan should we get the more expensive plan?

Is there any benefit to us getting married before the baby is here and getting a family policy?

I’m assuming I would need to look at the total cost of what is covered by each insurance plan before we make this decision. Is there anything else we should be paying attention so we can make the right decisions? Thanks so much for reading.