EACH OTHER AT THE VERY SAME MEDICAL FACILITY. ONE GOT A SHOCK EXPENSE IN THE ONE GOT A SURPRISE EXPENSE IN THE MAIL. MAIL. HOW DID IST HAPPEN? HOW DID IST HAPPEN? TAKE An APPEARANCE. TAKE An APPEARANCE. >> > > IT WAS THE FIRST MATERNITY >> > > IT WAS THE FIRST MATERNITY FOR BOTH PEOPLE. FOR BOTH OF US. IT WAS REALLY FUN TO HAVE IT WAS REALLY FUN TO HAVE A PERSON TO GO THROUGH THAT WITH. SOMEONE TO GO THROUGH THAT WITH. >> > > Press reporter: LEILA AND ALSO ERIN >> > > Press reporter: LEILA AND ALSO ERIN OPERATED AT THE VERY SAME PLAN WORKED AT THE SAME POLICY STUDY COMPANY. RESEARCH STUDY COMPANY. ERIN’S SPECIALIZED HEALTH AND WELLNESS ERIN’S SPECIALTY MEDICAL INSURANCE. INSURANCE POLICY. YOU ARE SOMETHING OF A WELLNESS YOU ARE SOMETHING OF A WELLNESS INSURANCE SPECIALIST? INSURANCE PROFESSIONAL? >> > > SOMETHING OF IT. >> > > SOMETHING OF IT. BUT THERE ARE LOTS OF, LOTS OF FACETS BUT THERE ARE LOTS OF, LOTS FACETS AND ALSO NUANCES TO WELLNESS INSURANCE.AND NUANCES TO HEALTH INSURANCE. > > Press reporter: WHILE EXPECTANT THEY > >> Reporter: WHILE EXPECTING THEY >> WENT SHOPPING WITH EACH OTHER FOR THE RIGHT SHOPPED TOGETHER FOR THE RIGHT PHYSICIANS AND ALSO HOSPITALS. MEDICAL PROFESSIONALS AND HEALTH CENTERS. > > THE MAIN WORRY WAS FINDING >> > THE MAIN WORRY WAS FINDING >> THE HEALTHCARE FACILITY THAT WAS IN OUR THE HOSPITAL THAT REMAINED IN OUR INSURANCE COVERAGE NETWORK BECAUSE WE INSURANCE NETWORK BECAUSE WE BOTH HAD THE EXACT SAME INSURANCE COVERAGE BOTH HAD THE VERY SAME INSURANCE COVERAGE THROUGH OUR COMPANY. WITH OUR BUSINESS. > > Reporter: THEY BOTH >> CLEARED UP > > Reporter: THEY BOTH >> DECIDED ON THE EXACT SAME HOSPITAL AND ALSO WAIT ON THE SAME HEALTHCARE FACILITY AS WELL AS WAIT FORD THEIR DELIVERY DATES.FORD THEIR DELIVERY DATES. LEILA ENTERED INTO LABOR FIRST
. LEILA ENTERED INTO LABOR FIRST. > > WHEN THE PAIN BEGAN TO OBTAIN > > WHEN THE PAIN BEGAN TO OBTAIN QUITE >> INTOLERABLE THEY ASKED IF QUITE >> INTOLERABLE THEY ASKED IF I WANTED AN EPIDURAL AND I SAID I WANTED AN EPIDURAL AND ALSO I STATED YES. YES. SO THE AN THESEESTHESIOLOGIST CA SO THE AN THESEESTHESIOLOGIST CA OFFERED ME AN EPIDURAL. OFFERED ME AN EPIDURAL. A FEW HOURS LATER MY SON A FEW HOURS LATER MY BOY ARRIVED. SHOWN UP. > > Press reporter: HOW ABOUT FOR YOU, > > Press reporter: HOW ABOUT FOR >> YOU, ERIN? ERIN? > > THEY PUT THE EPIDURAL IN > > THEY PUT THE EPIDURAL IN AROUND TWELVE O’CLOCK AT NIGHT OR SO.AROUND TWELVE O’CLOCK AT NIGHT OR TWO. THEN THE NEXT MORNING I HAD A THEN THE NEXT MORNING I HAD A REALLY, REALLY LONG SHIPMENT. REALLY, REALLY LONG DELIVERY. > > Press reporter: WAS IT YOUR FEELING > > Reporter: WAS IT YOUR FEELING THAT YOUR INSURER WAS THAT >> YOUR INSURANCE COMPANY WAS GOING >> TO BE PAYING FOR THE SUBSTANTIAL GOING TO BE PAYING FOR THE VAST BULK OF THIS? BULK OF THIS? > > YES, THAT WAS MY > > YES, THAT WAS MY UNDERSTANDING. UNDERSTANDING. > > Press reporter: BUT A FEW WEEKS > > Press reporter: BUT A FEW WEEKS >> LATER LEILA GOT A BEAL FROM LATER LEILA GOT A BEAL FROM THE> ANESTHESIOLOGIST FOR $1,600 >>. THE ANESTHESIOLOGIST FOR$1,600. > > I REMEMBER TELLING MY > > I BEAR IN MIND INFORMING MY HUBBY, THIS APPEARS REALLY PARTNER, THIS SEEMS TRULY ODD. >> STRANGE. WHY WOULD I GET THIS BIG COSTS? WHY WOULD I GET THIS BIG EXPENSE? I DIDN’T INTEND TO GET TIPS I DIDN’T WISH TO OBTAIN POINTERS AS WELL AS HAVE IT GO TO COLLECTIONS IF AND ALSO HAVE IT MOST LIKELY TO COLLECTIONS IF I ATTEMPTED TO FIND OUT WHAT IS I TRIED TO DETERMINE WHAT IS GOING ON, SO I PAID IT AND ALSO HAPPENING, SO I PAID IT AND ALSO IDEA I’LL FIGURE IT OUT THOUGHT I’LL FIGURE IT OUT LATER.LATER. > > Reporter: DID YOU INFORM ERIN > > Reporter: DID YOU TELL ERIN YOU HAD GOTTEN THIS WHOPPING> YOU HAD GOTTEN >> THIS WHOPPING BILL IN THE MAIL? EXPENSE IN THE MAIL? > > I STATED TO KEEP AN EYE OUT FOR A > > I SAID TO WATCH OUT FOR A$1,600 COSTS. $1,600 COSTS >>. SHE WAS PRETTY SURPRISED. SHE WAS PRETTY SURPRISED. > > Reporter: WHY WERE YOU > > Press reporter: WHY WERE YOU >> SHOCKED? AMAZED? > > WE HAD THE >> EPIDURAL PLACE IN IN >> > > WE HAD THE EPIDURAL PUT IN IN THE CENTER OF THE EVENING. THE MIDDLE OF THE NIGHT. WHO IS GOING TO STOP AND ALSO BELIEVE WHO IS GOING TO STOP AND THINK TO ASK THE PARTICULAR PHYSICIAN OR TO ASK THE SPECIFIC DOCTOR OR ANESTHESIOLOGIST THAT ENTERED INTO ANESTHESIOLOGIST THAT CAME RIGHT INTO THE SPACE, FORGIVE ME, ARE YOU ON THE ROOM, I’M SORRY, ARE YOU ON MY INSURANCE BEFORE YOU DO THIS MY INSURANCE POLICY PRIOR TO YOU DO THIS TO ME? TO ME? I DON’T WISH TO OBTAIN A BIG BILL I DON’T WANT TO GET A BIG COSTS IN THE MAIL.IN THE MAIL. >
> Press Reporter: ERIN NEVER OBTAINED THAT > > Reporter: ERIN NEVER OBTAINED >> THAT BILL. EXPENSE. ALTHOUGH SHE WENT TO THE EXACT SAME EVEN THOUGH SHE WENT TO THE SAME HEALTH CENTER, HAD THE SAME HEALTH CENTER, HAD THE SAME INSURANCE POLICY. INSURANCE COVERAGE. HER ANESTHESIOLOGIST WAS HER ANESTHESIOLOGIST WAS COVERED. COVERED. MEANWHILE, HER CLOSE FRIEND WAS STUCK AT THE SAME TIME, HER PAL WAS STUCK HAVING TO CALL THE INSURANCE POLICY HAVING TO CALL THE INSURANCE PROVIDER. FIRM. >> > > AND ALSO THEY KIND OF DID A LITTLE >> > > AND ALSO THEY TYPE OF DID A LITTLE DIGGING AND SAID, OH, IT’S DIGGING AND STATED, OH, IT’S DUE TO THE FACT THAT YOU PICKED AN OUT OF BECAUSE YOU SELECTED AN OUT OF NETWORK PROVIDER WHEN YOU WERE NETWORK SUPPLIER WHEN YOU WERE IN THE HEALTH CENTER. IN THE HEALTHCARE FACILITY. I DISCUSSED, I DIDN’T PICK I DISCUSSED, I DIDN’T PICK ANYTHING. ANYTHING. I REMAINED IN LABOR AND ALSO THIS IS FOR I REMAINED IN LABOR AS WELL AS THIS IS FOR GETTING THE EPIDURAL. OBTAINING THE EPIDURAL. THE WOMAN ON THE PHONE JUST KIND THE LADY ON THE PHONE SIMPLY SORT OF KEPT REPEATING YOU SELECTED AN OF KEPT REPEATING YOU SELECTED AN OUT OF NETWORK PROVIDER.OUT OF NETWORK
PROVIDER. >> > > Reporter: DID IT AUDIO TO YOU >> > > Reporter: DID IT SOUND TO YOU THAT SHE WAS USING THE LANGUAGE THAT SHE WAS USING THE LANGUAGE SHE IS TOLD TO USAGE WHEN SOMEBODY SHE IS TOLD TO USAGE WHEN A PERSON CALLS IN WITH A CRAZY BILL? CALLS IN WITH A CRAZY BILL? >> > > YES, EXACTLY >>. >> > > YES, EXACTLY. > > Reporter: YOU WERE OBTAINING A > > Press reporter: YOU WERE OBTAINING A TYPE OF FORMULAIC FEEDBACK? KIND OF FORMULAIC ACTION? >> >
>> > YES. >> > > YES. > > Press reporter: IT TOOK SEVERAL > > Reporter: IT TOOK SEVERAL CALLS AS WELL AS LOTS OF STRESS. CALLS AND ALSO LOTS OF DISAPPOINTMENT. LAY A LAY A LEILA ULTIMATELY GOT HER MONEY LEILA EVENTUALLY OBTAINED HER REFUND. BACK. SOMETHING THAT DOESN’T ALWAYS SOMETHING THAT DOESN’T ALWAYS HAPPEN. OCCUR. >> > > I HAD NO IDEA THAT OUT OF >> > I HAD NO CONCEPT THAT OUT OF NETWORK PROVIDERS COULD BE IN AN NETWORK PROVIDERS COULD BE IN AN IN-NETWORK HOSPITAL.IN-NETWORK HEALTH CENTER.
I THOUGHT IF YOU PICKED AN I ASSUMED IF YOU SELECTED AN IN-NETWORK MEDICAL FACILITY, EVERY PERSON IN IN-NETWORK HEALTHCARE FACILITY, EVERYBODY IN THE HEALTH CENTER REMAINS IN NETWORK. THE HEALTH CENTER REMAINS IN NETWORK. > > WHEN PEOPLE DO THEIR FEE > > WHEN INDIVIDUALS DO THEIR FEE >> PERSISTANCE AND ALSO STILL GET STUCK DILIGENCE AND STILL GET STUCK WITH A FEW OF THESE CRAZY BILLS, WITH A FEW OF THESE CRAZY BILLS, THAT’S A FAILURE IN THE SYSTEM THAT’S A FAILING IN THE SYSTEM TO SAFEGUARD CONSUMERS AS WELL AS HELP.
