Medicaid/insurance question

Yesterday, I went to the local hospital for a growth ultrasound and the lady confirming my insurance/address/contact info. left me extremely worried and confused regarding my insurance situation. I am a dependent on my mom’s insurance, her company knows I’m moved out, married, and pregnant. This is not an issue at all with her insurance. However, the lady at the desk, upon learning that I was a dependent on my mom’s insurance, says “you do NOT want to get stuck with this bill (for labor and delivery)” and encouraged me to call DSS, saying that it will essentially cover everything. She stressed that my mom’s insurance would “definitely not cover the baby” which I believe she was referring to the fact that my baby won’t go on my mom’s insurance after being born. We knew this and we are planning for our baby to go on my husband’s insurance. We told her this and she said she just has a “funny feeling it (the insurance) won’t pay.” I don’t know where this leaves us honestly. We know my mom’s insurance isn’t going to cover every expense like Medicaid would but I’m so confused because we have a plan for our child to go on my husband’s insurance. I didn’t think there would be any issues originally but now I’m extremely stressed and don’t want to go through a process of calling DSS and applying for Medicaid when I already have insurance if I don’t have to go through all that.

Does anyone have any familiarity with this subject, any advice to offer me, or any way to make sense of all this? I wasn’t worried before, I thought it would be fine. Should I just disregard her? She informed us she has worked at that hospital for 40 years, so I also fear there’s validity to her advice and of course I don’t want to have thousands of dollars of medical debt because I didn’t get Medicaid. I just don’t understand because I am insured and we have plans to insure my child once he is born. I didn’t think it could be any more complicated than that.

Thank you to anyone who can help me make sense of this situation!!!