Waiting for a break

It seems like it is one thing after another around here and I am so sorry for the downer posts lately!

The latest is this:

We currently are using insurance provided through my job. Which, since I am a teacher, ends in June - I will not be returning to work next school year. So, we have to switch to my husbands work insurance. I am less than thrilled with the provider, but oh well, we HAVE to have insurance.

This wouldn't be a big deal except that my insurance will end in June and baby, though officially due in August, will be here in July....if not sooner. I am covered for all of my maternity and delivery care through the VA since I am a disabled veter.an. So this is no big deal. The problem is this: my OB is only affiliated with one hospital in the area AND what will be our new insurance is not. Which means that the baby would be covered, but at the out-of-network cost - which is HIGH - more than double that of an in-network hospital. AND, if she comes as early as they say she could if there are any more complications, then that will mean NICU time.

The high risk dr I have seen (though I will be getting a second opinion) wants to deliver at a different hospital - which is in-network for our new insurance (and the second opinion dr, should we switch, is at a different in-network hospital as well). Either way, my regular OB is not affiliated with these other hospitals. There is a chance she can try and get temporary privileges but not a guarantee.
So, this may mean having to switch OB's - something I am not excited about.

The other issue is this: I don't want to be 'caught' in the middle of switching insurance companies with baby in the hospital. I am sure it would work out somehow, but I just don't want to deal with the headache of fighting insurance companies after baby is born.

SO, I have to decide what to do about my work. I could resign, though I DO NOT want to do this with only 44 days of school left - I think this would make it incredibly hard to find a teaching job when/if I return to working in a year or two or more. I could go on medical leave - work has already offered me this option. This would allow me to "bow out gracefully" I guess and since I have not been there for a year, it would be unpaid (except for my few sick days I have left) and I would lose my insurance, making it so we could pick up hubby's.

I just hate to stop working. Thankfully, financially, we will be fine. All of my check goes to savings so we wouldn't miss it for daily living.

I don't know what to do - any advice?? I know you can't tell me what to do, but I just need some input/thoughts on this whole situation!

Thanks!!