Whether or not you and your wife had medical insurance coverage for the birth of a child depends upon what is listed in your medical insurance policies and which is not excluded. As such, you need to carefully read your policies in that such documents control the obligations owed to you by your insurance carriers and vice versa.After you have read your policies, I suggest that you contact your carriers for a written explanation why the birth of your child is not being covered. I the explanation does not meet your satisfaction, then you should consult with an attorney that practices in the area of insurance law about the situation.