Baby's first insurance penalty
September 2, 2014 1:06 PM Subscribe
We welcomed Baby NDG to the world just over a month ago and was added to my wife's insurance. Baby was admitted to the NICU (for monitoring) for four nights, which included one night after my wife was discharged from the hospital. The insurance (BCBS Platinum PPO in IL) is now sticking us with a $500 penalty for failure to "pre-certify" baby's inpatient stay. Is there anything we can do about this?
posted by ndg to Work & Money (15 answers total) 3 users marked this as a favorite
From what the CS rep told my wife, this is only an issue because she was discharged from the hospital before the baby, thereby retroactively turning the baby's NICU stay into a separate inpatient stay (or something).
I'm sure that this is buried in the (extravagantly priced) plan's terms somewhere, this is valid, and it's our fault for not being sufficiently curious about the appropriate times to call the insurance company while sorting out all of the other issues that were keeping us in the hospital. Fine.
Apparently we can appeal by writing a letter to the powers that be at BCBS. Has anyone had any luck doing this? I don't really have an argument for why the fee should be forgiven other than that it's a sleazy move and a usurious amount. Or should we just cough up the $500 and move on?