Baby Watch

Beyonce could easily make a million dollars by laying in her bed during Coachella ... TMZ has learned.

Bey has not told the folks who produce the festival whether she'll be able to headline during the April event. It's unclear how far along she is in her pregnancy, but it seems 4 to 5 months would not be an unreasonable guess, which would mean she could be at least 6 months pregnant when she's scheduled to perform.

Sources connected with the festival, along with several huge 2016 performers, tell us Beyonce was set to make north of $1 mil for her two-night performance.

If Beyonce's pregnancy makes performing in April too risky, she could still collect her fee under a very common insurance policy written for entertainers.

According to one such policy, obtained by TMZ, the insurance company will pay the fee of a sidelined singer for "incapacity" ... which our lawyers say typically includes complications from a high-risk pregnancy.

Bey would need a rock solid doctor's note though. Y'know how insurance companies LOVE writing big checks.

Beyonce's letting her belly do the talking this time around.

She took a ton of shots showing off the twins growing inside of her ... some topless, some underwater, some with Blue Ivy. You gotta remember all the rumors when she was pregnant the first time -- conspiracy theorists insisted a surrogate did all they heavy lifting.

Jay Z was broing down Wednesday night after his wife told the world they were expecting twins.

Jay was leaving United Recording studio in L.A. when our photog offered best wishes, but Beyonce's hubby was more interested in his buddies.

As we reported, Beyonce kept the secret from everyone, much to the consternation of the folks who announced she'd be headlining at Coachella.

Beyonce is not saying whether she'll perform at Coachella, and we've now learned she did NOT tell festival organizers she was pregnant when they announced she was headlining.

Goldenvoice -- a subsidiary of AEG Live which produces the event -- did not learn Beyonce was expecting twins until they saw it Wednesday on TMZ ... seriously.

Goldenvoice is playing it close to the vest, but our sources made it clear they're not thrilled they went out on a limb with the announcement, given this is a high-risk pregnancy. Bey is 35 and her first pregnancy with a single child was difficult, requiring bed rest.

Our sources say Goldenvoice still has no idea how far along she is, which obviously becomes a factor for the April event. In fact one source says Goldenvoice tried in vain Thursday to reach Bey or her reps.

A source connected with Beyonce told us the singer still plans to perform, assuming her pregnancy goes well.

That said, we're told Goldenvoice is not worried and doesn't feel pressure to find another headliner. We're told the festival was almost sold out before the January 3 lineup was announced.

As one source put it, Coachella is fluid in that Goldenvoice "constantly talks to bands," so a replacement won't be difficult if necessary.

Rap legend Bun B's got Beyonce and Jay Z covered with baby names for their new twins ... and it's exactly what the world needs right now.

We caught up with Bun B at a Habitat for Humanity event in Houston where he wasted no time dishing baby names for his famous pals.

Kelly Rowland learned a lesson from Jon Voight ... don't talk about the biggest star in your life, and especially don't talk about their kids.

Kelly managed to say she's "ecstatic" over Bey's pregnancy announcement, but watch her dodge as our LAX photog asks if she, like pretty much everyone else, was in the dark.

The Beyonce baby news has penetrated the NFL ... with NY Giants stud safety Landon Collins saying he's PUMPED for Bey and her two peas in the pod.

Collins -- who just had a MONSTER season with the Giants -- says he's been a huge Beyonce fan forever and he's stoked she and Jay Z are expanding their family.

And yeah, Collins says pregnant Beyonce is still FIRE.

Beyonce is pregnant with not one but 2 ... she and Jay Z are having twins.

35-year-old Bey just posted on her Instagram account, "We would like to share our love and happiness. We have been blessed 2 times over. We are incredibly grateful that our family will be growing by 2, and we thank you for your well wishes. -- The Carters."

So, 5-year-old Blue Ivy will have a brother and sister, 2 brothers, 2 sisters or something like that.

Beyonce's pregnancy announcement was news to some of the top dogs at AEG Live ... the company that is producing Coachella.

Sources connected with AEG Live tell us ... at least some of the top execs had no idea Bey was expecting, and it now makes her headlining gig at the festival problematic.

It seems Beyonce is somewhere in the vicinity of 4, maybe 5 months pregnant. Coachella is slated for April, so she'll be well along and obviously very big, given she's having twins.

One of our sources joked -- at least we think it's a joke -- "The show will go on. She'll just borrow Dave Grohl's big chair," the one he used when he broke his foot. It worked for Axl Rose at Coachella.

Doesn't matter that he's a world-class swimmer ... Ryan Lochte says there's no way in hell he's allowing his fiancee to have a water birth when their kid is born.

Lochte and his fiancee, Kayla Rae Reid, announced their pregnancy back in December -- and Kayla says she seriously looked in to having a live water birth.

But Lochte says he shut that down real quick -- explaining he wants his son born in a hospital with the proper resources to help his family in case anything goes wrong during the birth.

The actress set to play Wonder Woman on the big screen doesn't know a couple of things -- the sex of her new baby ... or the true meaning of show business.

We got "Wonder Woman" star Gal Gadot Monday heading to Fred Segal in L.A. -- where she seems to be hiding her baby bump -- and while she definitely plays coy to our first question ... she has a genuine deer in the headlights response to our second.

More drama in the Reggie Bush alleged baby scandal ... the woman claiming to be his mistress is MARRIED and now her husband wants out.

As we previously reported, a Miami nightclub waitress named Monique claims Bush (who is also married) sperminated her last year and approached him about child support. The baby is due in February.

Now, we've learned Monique was married at the time of the alleged tryst -- and her husband is PISSED. He's filed for divorce and it's clear from the docs he's convinced Bush is the father of her unborn kid.

He's named Bush several times in his divorce papers and is demanding she hand over any documentation proving he could be the father ... such as DNA tests, confidentiality agreements or payments he may have made to her.

The husband also notes he didn't have sex with his wife around the time of conception -- so there's no way HE could be the daddy.

A rep for Bush had previously called the baby allegations "rumors" and noted he's still "happily married."

We've also learned a lawyer for the husband reached out to Reggie's camp to try work out a private deal to keep the NFL star's name out of the court papers. Obviously, no deal was reached.

Just days after that rough loss to the ATL Falcons, Russell Wilson popped up in Beverly Hills ... where he got to spend some quality time with his wife and fetus!

The couple was spotted out on a breakfast run early Tuesday morning -- Ciara in a tight dress to show off her bump.

She's in her 3rd trimester. The kid is due around the end of March.

Cuteness all around ... just one piece of advice -- CARRY THE BAG, BRO!

Talk about a crazy reversal of emotions ... hours after the Cowboys' devastating lost to the Packers, Dallas' stud wideout Cole Beasley had a baby!!

We're told Beasley's wife, Krystin, gave birth to a bouncing baby boy in the wee hours of Monday morning and the entire family is stoked!

The kid is happy, healthy and Krystin is doing well.

Cole tweeted about the birth Monday morning saying, "The only thing that could heal me has arrived. I love my family so much."

J.R. Smith's newborn daughter is continuing to fight hard after her premature birth and we're told she's doing well ... TMZ Sports has learned.

The Cleveland Cavs star and his wife, Jewel, announced their daughter, Dakota, was born 5 months premature earlier this month.

Now, we're told specifically Dakota was born between 21 and 22 gestational weeks. She weighed roughly 1 pound at birth. A typical healthy pregnancy is 40 weeks.

Obviously, Dakota -- who's now 8 days into her battle -- is receiving the best care possible.

There are reports from around the world of babies born that early who survive. It's rare. They've been described as "medical miracles." Here's hoping Dakota can be one of those miracles.

#PrayersUp

Ashton Kutcher and Mila Kunis now have 2 kiddos hanging off their arms ... and they couldn't look any happier for it.

Paps got the couple grabbing breakfast Sunday morning in L.A. with their kids in tow -- 2-year-old Wyatt held hands with mom ... and newborn Dimitri got cradled by his pops.

Kids ... what a joy.