In your case, within 30 days after you give birth to your daughter, you are eligible to change the current health insurance plan for this year (2007). Call your HR and make sure to do the following two things.
1. Select a health insurance plan to insure your newborn for 2007.
2. Put the proper amount of money in FSA for 2007 to cover the uninsured part of the cost of your childbirth and the cost of checkups for your newborn for the rest of this year.
When you said you have to 分期付款付医院,I don’t know what kind of health insurance plan you have. I thought normally insurance would cover all the cost for childbirth. I remember I only paid $10 co-pay when I gave birth to my baby. So you’d better double check with your health insurance provider about it.