The odds of vertical transmission (from mother to baby) are about 5%
Have you been denied treatment by your insurance?
After your baby is born you should get with your doctor again and try to get treatment my understanding is once you are denied 3 times you can appeal to your states insurance commissioner and still get treated you just have to fight the system.
Google patient access network this is their mission statement
"The Patient Access Network (PAN) Foundation is an independent, national 501 (c)(3) organization dedicated to helping federally and commercially insured people living with chronic, life-threatening and rare diseases with the out-of-pocket costs for their prescribed medications. Partnering with generous donors, healthcare providers and pharmacies, PAN provides the underinsured population access to the healthcare treatments they need to best manage their conditions and focus on improving their quality of life."
Your doctor should know when to test your baby after it is born.
Congrats on you soon to be here little one
Best of luck to you both