The first step is to talk with your boss, confirm whether the premium was paid or not, and if not, ask why not. Then make a written record for yourself of this conversation - it may come in handy soon.
What you do next really depends on her answers to your questions. It might have been a clerical error that's simple to correct. It may have been something fraudulent, in which case you would probably have grounds for a lawsuit. Did you pay premiums as a deduction from your pay check? If so, were those deductions made for the time period in question? There are still too many unknown facts here to give a complete answer.
BTW, why does it cost $44,000 just to have a baby?
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