Hi, I'm sorta lurking cause I'm expecting a baby boy Christmas Day by adoption, but I also work in health insurance and thought I would post some tips in refrence to insurance and birth.
1) ALWAYS request an itimized bill from your hospital and check it. Especialy if you have a baby boy. Some hospitals auto bill for Cerc regardless if it was performed or not, or you might be billed for an Epi when you didn't have one. etc. If you find a mistake, call the hospital billing department, they can fix it, even if they already sent the org to the insurance.
2) You have to call your HR department (if the insurance is through work) AND the insurance company to add your new child to the policy. Usually within 30 days. it doesn't hurt to call before hand to ask the timeframe, or check the insurance or HR website.
Making sure you do these 2 things can save you THOUSANDS of dollars in hospital charges.
and 3) - (not really insurance related, but is hospital bill related) If you have OTC stuff that you can take with you to the hospital to take, do so. especialy if you will have to pay a percentage of the cost of your stay. Take your own prenatals, tylonol, asthma meds, breast pads, etc. unless you want the hospitals. Be sure you tell the nurse you have OTC meds and when you can take them so they can write it down on your chart. It's not uncommon for a hopsital to charge crazy $ for a single dose of something you could have brought with you instead. I have seen claims with prenatal vit single dose (one pill) be $25.View Thread
Lurking (expecting via adoption) and I work in an health insurance company and I have to agree with you 100% on the cost and the mistakes! My department is actually called "Corrected claims" and run into these daily! I still giggle at circumcisions for girls, labor and birth for the husbands, prostate exames for women, etc. : )
I STRONGLY recomend getting a detailed itamized bill. you WILL find mistakes.View Thread