How much does insurance cover?

Bare with me...ttc baby #1 and I'm not sure how much it will cost to have a baby in the hospital. I've heard a wide range of numbers depending on if there were complications or not. My husband and I are with Blue Cross Blue Shield thru his work. When I get pregnant will the nurse/dr. go over the numbers with me for what my insurance will cover or do I need to get with my insurance and ask them? I've also heard about a payment plan that you can start paying throughout your pregnancy.