Having a meltdown

I'm still on my mom's insurance because I'm under 26. She talked to them to make sure they would still cover me since I'm pregnant. They said they would. So I go to my first appointment, afterwards, she gets a notification saying they ONLY covered my blood work and won't cover anything else involving maternity stuff. So now I owe the dr $300. If I were to go on my husbands insurance his deductible is $3000. Idk what I'm supposed to do at this point. We can't afford a $3000 deductible. And what gets me, is my mom's insurance said they won't cover me, but yet they let them eun a payment plan through them for all my dr appointments. Any advice? My mom says to apply for the medical card, but I know we make too much money. My husband alone makes $45000 a year. Together we probably make $55. I'm so stressed out right now.