The home pregnancy kit shows two red lines. The little baby you’ve been praying for is on its way. Soon, you’ll be sporting a cute bump that can balance a teacup and you couldn’t be happier.

While you figure out how to break the good news to family, friends and possibly your employer – it’s also a great idea to start working on managing your finances. A newcomer in the family means additional expenses and paperwork. Finish the tough part while you’re pregnant to enjoy a stress-free time with your baby once it arrives. Here are nine things you can start with:

Understand your insurance
You may have a primary health insurance, but are you specifically insured for maternity? It’s better to plan for this before you plan the baby – because once pregnant, premiums get higher.

If your maternity expenses are insured, read the policy document thoroughly. What is the limit? Are all tests covered? Is a C-section (elective and otherwise) covered? Can you get a private room? Accordingly, choose the hospital you’ll go to for pre-delivery tests, birthing and post-delivery care. Also, find out which pediatricians you can visit within your insurance network.