Is this typical?

Question

I had my son in the hospital and I was discharged, while he had to stay 4 extra days for jaundice. I was told by the doctors office that he was covered under MY health insurance for 30 days (he does not have health insurance). Now I get a bill for 5000.00 and Empire is telling me he was not covered. Is this typical? I feel slighted - there's no WAY I can afford this!! Is there anything I can do?

Answer 1

Well, your doctor's office was wrong.  You didn't get the advice from the right people, the people who KNOW.

Usually how it works, if you have a group plan, is that you have 30 days to notify the insurance company of the qualifying event, and add the baby to the policy, but you add retroactive to the date of birth, and then those bills are covered.

There's no "he gets free insurance for the first 30 days" deal. Don't take legal advice from your car mechanic, don't take insurance advice from the secretary at your doctor's office.

Since he has no insurance, you can call the providers, the hospital and doctors, and ask them to "reprice to a cash price", and then you just have to work out a payment plan.

Answer 2

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Answer 3

He must be enrolled in your plan.  You have 30 days from the date of birth to enroll a newborn.  If you do not enroll within that 30 days the baby is not covered.