I think you might be asking the wrong people. The Answerbank is a UK-based site. Here, in the UK, we get free healthcare, and maternity leave is for up to 52 weeks (with up to 39 weeks statutory maternity pay). Your references to 'insurance', 'programs' and 6 weeks maternity leave (as well as 'mom', instead of 'mum') suggest that you might be in the USA. If so, you'll probably get better answers by posting on US-based sites. Try these:
http://answers.yahoo.com/
http://www.answerbag.com/
Chris