For women considering having a baby, health insurance is crucial to both their own health and their health of the baby. Major medical insurance with pregnancy coverage can help you have a stress-free nine months and a healthy baby.baby health care To help cover the deductible, you can often open a Health Savings Account. You can deposit money in this account and then withdraw it pay for medical expenses. Second, you should find out if there is a “wait to conceive” period. In many policies, maternity coverage does not begin for up to one year after you purchase the policy. If you conceive before this waiting period ends, your pregnancy will not be covered.