If you have health insurance before you are pregnant, your baby can be put on your plan within 30 days of birth regardless of their health. I do not care if all you can afford is a $5,000 deductible no-frills plan. You must have health insurance before you get pregnant.
Here is another tip for you. When you put the newborn on your plan, call and send a registered letter (return receipt) to confirm it. One couple had the insurance company tell them that they had no record of anyone calling. The baby was in the hospital for more than a week and the bills were staggering.