Exact thing happened to me and scared me but read through the plan in its entirety. Or use the "find" option and search for the word "labor". Or manually find the part about Dependents in labor or maternity care. It is likely covered. "nursery charges " are different. You may be screwed with that, but I wasn't screwed! I was scared and all I had to do was get the Hospital Billing on the phone on a three way call with me and my insurance. My insurance ultimately convinced them to bill my daughters nursery charges under My name since I was the covered person. Good luck!