Even With Insurance, Childbirth Is An Expensive Undertaking
Childbirth hospital costs these days aren’t cheap. Some studies suggest the cost of raising a child exceeds $200,000, not including education expenses. Most insurance companies charge women of childbearing age more for their insurance because the actuarial tables say so. Mrs Happy and I now have a 3 month old Zachary in our wings. He is a cute little peanut. His two brothers, Marty and Cooper adore him.
Forty-two days after his April 21st, 2011 delivery, we still had not received our explanation of benefits from Blue Cross Blue Shield for the midwife charge. I had previously received a statement from them saying the charge was under review. Perhaps they believed that delivering Zachary was not medically necessary. I can’t explain it.
When I called to ask them why this charge had not been approved, they said they could not give me a reason why my explanation of benefits statement had not been finalized after 42 days. I pressed for more information, but to no avail. I was given no reason other than to say that they had a lot of claims to review. That’s not an acceptable reason to delay a payment of a claim. Read more »
*This blog post was originally published at The Happy Hospitalist*
