Guaranteed Healthcare

I found out when I was 36 weeks pregnant that my unborn daughter had a CCAM (Lung tumor). With this advance knowledge of the care and attention we would need, we did a lot of research and had a lot of contact with our insurance company. I was working for a pharmaceutical company and had the best medical coverage available.

After several second opinions we were told by our insurance company that only one hospital in town would be covered. We went to that hospital and had a month of treatment, surgery and bills. Months later we learned that the NICU team was not part of our insurance network although they were the only doctors available in the hospital we had no choice but to go to.

Because the doctors were out of network we paid 90% of all our bills AFTER meeting our $1,200 hospital deductable. Five days after my daughter was born she had major surgery resulting in a $100,000 bill. We paid $90,000 of that despite paying $1,200 a month for insurance to cover everything.