This post is sponsored by DropYourRate.Net.

The first thing you should do after getting that BFP? Cry, yell, jump up and down, bust out your best dance moves. Celebrate that moment! But the second thing? It really should be to look up your insurance. Sounds crazy, right? But hear me out. I'm a research contributor at DYR, and I know a thing or two about the medical costs associated with pregnancy.

No one's surprised that babies can be expensive. But a lot of people are surprised how early that is true. It starts the moment you get that BFP, and continues on through delivery. According to the Kaiser Family Foundation, the average typical pregnancy runs about $2000-$3000 just for the run of the mill doctors' appointments and routine tests. If you end up needing anything more specialized, it can get even more expensive. Then comes labor in delivery. In 2013, one organization estimated that the average birth in America cost $30,000 (making it the most expensive place to have a baby in the entire world!)

Now, thinking about healthcare costs and insurance is not nearly as fun as planning out your nursery or figuring out if you're going to go with reusable or disposable diapers, but this is some of the most important planning you can do - it affects your family's health and finances, after all - so take the next 30 seconds and learn what you need to know.

Prior to the ACA, only a small percentage of insurance plans covered maternal care. Today, most plans do cover pregnancy- but how much, and how well, and if that coverage will extend to your newborn - all that can vary. So to avoid any unpleasant surprises, the best thing to do is spend some time looking at your coverage and your options. You should probably even do this if you're still waiting on that BFP, because knowing before you get pregnant will give you more time and opportunities to figure out what is best for you and your family.

But shopping for insurance is complicated. There's all the differences in types of plans, coverage, deductibles, co-pays, and all the rest, including whether or not an HMO or a PPO would be the better bet for you. That's where companies like mine, DropYourRate.Net, come in. Through our website, you'll be able to compare plans across a lot of different networks very easily and find the option that is best for you.

And If you don’t already have your own health insurance plan or one offered by your employer, having a child is a great time to enroll. Enrolling in a new health insurance plan is usually only possible during the enrollment period around the beginning and end of each year, but the government considers birth to be a “Qualifying Life Event.”

Because insurance companies frequently change the way they calculate your rates, it’s good to check all the options available to you.

Go to DropYourRate.net by clicking here to check for the best insurance providers in your state, or just to read the testimonials of people we've helped save money while finding the plan that best fit them.

Wishing you a happy healthy nine months!