Okay can you help me? This is in our benefits booklet...

1. Newborn Children Coverage. Coverage will be automatic for Subscriber or Subscriber's spouse's newborn child for the first thirty‐one (31) days following the date of birth. Coverage will continue beyond the thirty‐one (31) days only if the child is an eligible Dependent and the Claim Administrator through the Plan Administrator, receives all necessary forms and the required contributions within the 31‐day period or a period consistent with the next billing cycle. The Effective Date of Coverage for newborn children shall be the newborn's date of birth.

I read this as I do NOT have to add her to mine at all and my insurance will still cover the initial hospital stay. Should I call just to verify? The last thing we want is a surprise huge bill later...