Hospital Bill?

Question

I have a debt to the local hospital for the birth of my daughter. i'm fighting the insurance company (through a program offered to children of veterans) I had because I was taken off of work and school due to "high risk pregnancy". After I was taken off of work & school, I called the insurance company and they said pregnancy was considered a pre-existing condition if they were paying at the beginning of the pregnancy. The insurance company paid the first 6 months of the preg. but refuse and have denied my appeals to pay for the last 3 and the emergency c-section. I have called the hospital several times and left several messages explaining that I was in dispute with the insurance. They haven't returned ANY of my phone calls, & I haven't recieved anything from either the insurance or the hospital in the form of a bill. Has this problem been taken care of. If not, can I file bankruptcy, if the insur. company still denies. I live in MI and work as a partpaid firefighter & student

Answer 1

Most hospitals are willing to write off costs when you are unable to pay. Most hospitals also have a line to call to talk to someone about your financial troubles. See if you can find such a line for your hospital, as that will most likely be your best bet.

P.s: Congratulations :)

Answer 2

I'm sorry, I don't understand what you're saying about the insurance company.

You were insured at the beginning of your pregnancy, but not at the end? Did you lose your coverage at work because you were told you couldn't work? (Sorry, that part was unclear.)

If so, you still could have gotten individual coverage (even with a pre-existing condition) under HIPAA laws. You would have had to pay for the insurance yourself, of course, which wouldn't have been cheap. But as you can see, the hospital bills aren't either.

If you can explain that part a little better, I might have some suggestions.