“Unbelievable Insurance Nightmares: 50 True Stories That Will Leave You Fuming and Fearful”
My claim for the COVID test was denied, because I didn’t go to one of the approved testing sites for my insurer. All of the approved sites were in Hawaii. At the time, you couldn’t travel to Hawaii without proof of a negative COVID test.
So. The only way I could get the cost of a COVID test covered was if I went to an approved testing site, but in order to travel to any of the approved testing sites, I needed to show a negative COVID test.
Daughter was born prematurely around Christmas. Spent 3 weeks in the NICU. After a week and a half she was downgraded from NICU level 2 to NICU level 1. Nothing changed. She was in the same unit, in the same bed, she was just no longer on a feeding tube. Insurance counted her downgrade from NICU 2 to NICU1 as a new admission rather than a continuation of care. Because we had crossed calendar years her “new admission” was subject to a new calendar year of copays, deductibles, and max out of pocket expenses. That meant that for a single 3 week NICU visit we were charged max copay, max deductible, and max out of pocket expenses against two years of coverage.
Fought it for over a year before the hospital threatened to take it to collections so we eventually gave up and paid it off. We had a good policy and the max out of pocket for each year was only $4500, for $9000 total for a NICU bill that exceeded $350,000, but that extra $4500 for a SECOND YEAR we knew we shouldn’t have been required to pay sure stung…
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