Best way to quit job after delivering baby?

I saw a similar post on here but I wanted to ask again. I don’t plan to return to my job after delivering our first baby in May. I currently hold the health insurance policy for us but we plan to switch to my husbands policy after I quit. I understand there might be repercussions to taking the paid maternity leave through my job and then quitting (ie. paying back the maternity leave benefit). Honestly, we can go without the maternity leave, but I want to ensure that my delivery is covered under my insurance. Would delivery still be covered if I have baby then quit the next day? Wait a week or two after then quit? I also don’t want to reach out to HR and be like “heyyyyy I miiiight quit soon so how can I use this job for your benefits before leaving” I’m also nervous to switch insurance policies right after the birth. Not sure the best route to make sure we (and baby) doesn’t go a day without coverage.

Looking for any and all advice regarding this! TIA 🙏🏼