What is the name of your state? Illinois.
Is this for real?? This was my 3rd child, and granted different insurances---but I questioned it because with my first two, my babies were covered under the maternity/pregnancy part of the insurance. There was nothing abnormal about our delivery/stay...etc. I went, had a baby, we both came home. And Maternity Stay and Newborn Care is covered under Pregnancy. And I paid my deductible on my first prenatal visit. So, I called our new insurance, said i felt it was a bit unusual that my newborn has to pay a deductible. The lady said that we had to pay a deductible because this was my son's first "visit" of the calendar year. Huh? I informed her that it was because he was BEING BORN...but it didn't phase her. We had a problem in the past with this insurance and my middle child and wellness visit/calendar year---where insurance was very wrong. So we contested this deductible thing. We've been round and round. HR initially said we owed nothing, then we kept getting bills....insurance recently said that the $250 is part of the hospital charge...for my newborn...not to be confused with newborn care. My husband and I went thru our insurance packet and there is a very vague description of hospital charges---we felt that the packet was not clear on how they handle newborns. We also gave them an itemized bill that shows typical newborn charges were declined due to deductible. My husband went over one HR mhead to someone else in HR who at first said we owe nothing, but is now saying there was something going on with the circumcision. That bill was paid for so I am not sure what is going on. And it specifically says that a circ is covered under newborn care. I do recall the insurance declined the circ bill because it was not specifically billed to my son's name. But, it was resubmitted and paid. I told HR to look more closely at that--but have not heard anything. So, is this a lost cause? I know at first this deductible thing seemed odd to me--and
I questioned it...but is this odd? We are in collections now. I am thinking on paying it so that we don't tarnish our credit. Advice?