Whether to report hospital mistakes to insurance Co.

[JASE]

My wife and I recently had our first child. She was @1 month premature. While in the hospital, the pediatrician who was providing care ordered a 10 day antibiotic treatment be given for infection. The doctor DID NOT order a blood test BEFOREhand to confirm whether an infection was actually present. The doctor then left on vacation and turned her patients over to another doctor. After 5 days, we were informed about the initial blood test not being done. As a result, the replacement doctor called an infection control specialist in to consult on the case. Several additional tests were performed and the IV antibiotics were continued. The specialist told us there was NO WAY to determine whether our daughter had actually had an infection because the initial test was not ordered. She said that blood tests done after treatment had been started would not be accurate.
My daughter spent 11 days in the hospital and we have no way of knowing whether it was necessary.
My qusetion is this...If I report these errors to the insurance company and they decide NOT to pay some of the extra charges due to this error, does the responsibility to pay fall back to me? I am afraid to report this to the insurance company in case I would be required to pay more money myself.

 

[Tracey]

Why would you tell them in any case? You aren't their agent & have no responsibility to torpedo your own claim. The ins.co. will do that on their own, thank you.

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This is not legal advice and you are not my client. Double check everything with your own attorney and your state's laws.

 

[JASE]

Reply to Tracy:
The reason I would report this is simple. Like most people I have to make co-payments based on the total bill. Secondly, every day thousands of people lose insurance benefits or have benefits reduced due to the out of control costs of health care. Hospitals should not be given a blank check to make up charges however they wish. I for one feel unnecessary charges/services should be reported. My concern was that if this is investigated and the insurance company determines the services were unnecessary I do not want to be charged either. The hospital wins either way if this is the case..."thank you".