Health Insurance?

Odd question... but we are having our 2nd in April and our first child is on child health plus. We are planning on adding the 2nd child but there is a 1 month waiting period. If we add the child on to my work plan it will make my deductible go from 2500 to 5000 plus 150 a week from my pay check that I will have to pay back. The baby is covered under just me for 48 hours for natural birth so we are thinking of letting the baby be uncovered for a month until child health plus kicks in and we already called our pediatrician that said we can pay out of pocket for the 1st few shots and such. Does anyone have any insight for this? I am worried we will get a huge bill for things that for some reason not covered. I was on my parents really good plan last time so I have no idea what to do. If for some reason the baby needed the NICU we know we will have to add the child onto mine, sorry for the long post :(