Insurance Quotes Central

Posts Tagged ‘Babies’

Nothing compares to having your first child and sharing in all the joy that comes with it, that is nothing except starting your dealings with the insurance company. In the cases of premature babies, the last thing on your mind in the payment of medical bills. Regardless, let me share with you what comedy has occurred since we have began our relationship with our insurance policy.

My son had to be quickly taken to another hospital when he was born that had an equipped NICU, and the bill to make this little drive was the first to arrive. The insurance had denied payment on this $1,000 because they didn’t see it as a medical necessity. The only thing I could think of was that they expected us to try and plug the incubator in our car’s cigarette lighter. We wrote an appeal, that has now made it covered.

Since we are students on the university plan, we are required to first see our on campus health center for all our doctor’s needs. My son was born in a different state, and so it really wasn’t an option to go to their health center. Perhaps we could have flown our son to the health center for all his many doctor’s appointments, but even that would have been more expensive than the doctor’s bills we now have to pay out of pocket for because he wasn’t treated at the health center.