I am a ftm and would like to know how do you go about getting the baby's insurance? Do you pay a separate insurence premium? Or you add the baby to your insurance? How much more would the insurence cost approximately? I don't get any help or medicaid I currently have United healthcare in the state of New jersey. Please advice, I tried to find out thru my insurance but they won't give me any info or price until the baby is born. Share your experience, thank you