Maternity services not covered

My wife and I just found out she was pregnant about a month ago and have been over the moon with excitement. She has been covered by her father's insurance plan (NC State Health Plan – BlueCross BlueShield), which we've had no issues with in the past.

This week, we discovered that maternity services are not covered for dependent children under this plan. This came as a shock because it's been good coverage all along and we had the first OB/GYN appointment with no issues just a few weeks ago. I'm not sure if this appointment was billed as prenatal services or just a normal doctor visit.

We're outside of open enrollment and at first glance I don't think she qualifies for medicaid based on income. What are the best options to cover (or pay out of pocket for) this pregnancy and the birth of our child?

Another thing is that I just started a new job a little over a month ago and enrolled in individual benefits already. It would have been great to cover her through my employer's insurance, but we had no idea about this at that time and I don't know if it's possible to change it now.

submitted by /u/billy_the_goon
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