I finally got around to calling Anthem about adding a newborn to M's policy. It's totally doable! All I have to do is apply within 30 days after the birth and the baby is guaranteed coverage from birth. They're also guaranteed to begin at the best health level no matter what problems they may have when they arrive. Awesome! That means the difference between a premium of $405 a month on my work policy vs. $186 on M's policy. We may be able to afford this baby after all!