Well let’s sort this out a bit. First off you won’t get in trouble from either company for having dual insurance for 30 days. You might want to go with the plan that has the best cost and coverage for having a baby. I was going to mention this is a qualifying event as per the ACA, but they will not backdate so that’s really out for at least July. You need to get out the scratch pad and pencil out the costs of premiums, deductibles and co-insurance for your family. Your former union plan might be $400 a month cheaper in premium, but may leave you with more deductible or co insurance.
You will need to pay up through August, since we’re in that month now. Please don’t be slow on this, the clock is ticking and the costs will only get higher the longer it takes you to get the paperwork back. Go through your paperwork from both and see when their drop deadlines are. This is something you should finish no later than this weekend. Good luck and get on it.