EACH OTHER AT THE VERY SAME HEALTHCARE FACILITY. ONE OBTAINED A SHOCK COSTS IN THE ONE GOT A SHOCK EXPENSE IN THE MAIL. MAIL. HOW DID IST HAPPEN? HOW DID IST HAPPEN? TAKE A LOOK. HAVE A LOOK. >> > > IT WAS THE FIRST MATERNITY >> > > IT WAS THE FIRST PREGNANCY FOR BOTH OF US. FOR BOTH PEOPLE. IT WAS REALLY FUN TO HAVE IT WAS REALLY FUN TO HAVE SOMEBODY TO GO THROUGH THAT WITH. SOMEONE TO GO THROUGH THAT WITH. >> > > Press reporter: LEILA AND ERIN >> > > Reporter: LEILA AND ERIN WORKED AT THE EXACT SAME POLICY OPERATED AT THE SAME PLAN STUDY FIRM. RESEARCH BUSINESS. ERIN’S SPECIALTY HEALTH AND WELLNESS ERIN’S SPECIALIZED HEALTH INSURANCE COVERAGE. INSURANCE. YOU ARE SOMETHING OF A HEALTH YOU ARE SOMETHING OF A MEDICAL INSURANCE EXPERT? INSURANCE POLICY SPECIALIST? >> > > SOMETHING OF IT. >> > > SOMETHING OF IT. BUT THERE ARE LOTS OF, LOTS FACETS BUT THERE ARE MANY, LOTS FACETS AS WELL AS NUANCES TO MEDICAL INSURANCE. AS WELL AS SUBTLETIES TO HEALTH INSURANCE POLICY. >> > > Reporter: WHILE PREGNANT THEY >> > > Reporter: WHILE EXPECTANT THEY SHOPPED TOGETHER FOR THE RIGHT WENT SHOPPING TOGETHER FOR THE RIGHT PHYSICIANS AND ALSO MEDICAL FACILITIES. MEDICAL PROFESSIONALS AS WELL AS HEALTHCARE FACILITIES. >> > > THE MAIN PROBLEM WAS LOCATING >> > > THE MAIN WORRY WAS SEARCHING FOR THE HEALTHCARE FACILITY THAT REMAINED IN OUR THE HOSPITAL THAT WAS IN OUR INSURANCE POLICY NETWORK BECAUSE WE INSURANCE COVERAGE NETWORK BECAUSE WE BOTH HAD THE VERY SAME INSURANCE POLICY BOTH HAD THE EXACT SAME INSURANCE POLICY THROUGH OUR COMPANY.THROUGH OUR FIRM. >
> Reporter: THEY BOTH CLEARED UP> > > Press reporter: THEY BOTH SETTLED >> ON THE SAME HOSPITAL AND ALSO WAIT ON THE SAME HEALTH CENTER AND ALSO WAIT FORD THEIR DISTRIBUTION DATES. FORD THEIR DISTRIBUTION DATES. LEILA ENTERED INTO LABOR FIRST. LEILA ENTERED INTO LABOR FIRST. > > WHEN THE DISCOMFORT STARTED TO GET > > WHEN THE PAIN STARTED TO GET >> QUITE INTOLERABLE THEY ASKED IF RATHER UNBEARABLE THEY ASKED IF I WANTED AN EPIDURAL AND I CLAIMED I WANTED AN EPIDURAL AND ALSO I SAID YES. YES. SO THE AN THESEESTHESIOLOGIST CA SO THE AN THESEESTHESIOLOGIST CA OFFERED ME AN EPIDURAL.GAVE ME AN EPIDURAL.
A FEW HOURS LATER MY BOY A FEW HOURS LATER MY KID ARRIVED. ARRIVED. > > 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 MIDNIGHT OR TWO. AFTER THAT THE NEXT EARLY MORNING I HAD An AFTER THAT THE NEXT MORNING I HAD A REALLY, REALLY LONG SHIPMENT. REALLY, REALLY LONG DELIVERY. > > Press reporter: WAS IT YOUR REALLY FEELING > >> > Reporter: WAS IT YOUR REALLY FEELING >> THAT YOUR INSURANCE POLICY BUSINESS WAS THAT YOUR INSURANCE COVERAGE BUSINESS WAS GOING TO BE PAYING FOR THE LARGE GOING TO BE PAYING FOR THE LARGE MAJORITY OF THIS? MAJORITY OF THIS? > > YES, THAT WAS MY > > >> YES, THAT WAS MY >> UNDERSTANDING. UNDERSTANDING. > > Press reporter: BUT >> A FEW WEEKS >> > > Reporter: BUT A FEW WEEKS LATER LEILA OBTAINED A BEAL FROM LATER LEILA GOT A BEAL FROM THE ANESTHESIOLOGIST FOR $1,600. THE ANESTHESIOLOGIST FOR $1,600. >> > > I REMEMBER TELLING MY > > I KEEP IN MIND TELLING MY OTHER HALF, THIS SEEMS REALLY OTHER HALF, THIS APPEARS ACTUALLY WEIRD. ODD. WHY WOULD I GET THIS BIG COSTS? WHY WOULD I OBTAIN THIS BIG COSTS? I DIDN’T INTEND TO OBTAIN REMINDERS I DIDN’T WANT TO OBTAIN REMINDERS AS WELL AS HAVE IT MOST LIKELY TO COLLECTIONS IF AS WELL AS HAVE IT MOST LIKELY TO COLLECTIONS IF I ATTEMPTED TO FIND OUT WHAT IS I TRIED TO IDENTIFY WHAT IS HAPPENING, SO I PAID IT AS WELL AS HAPPENING, SO I PAID IT AS WELL AS IDEA I’LL FIGURE IT OUT IDEA I’LL FIGURE IT OUT LATER.LATER.
> > Reporter: DID YOU INFORM ERIN >> > > Reporter: DID YOU INFORM ERIN YOU HAD GOTTEN THIS WHOPPING YOU HAD GOTTEN THIS WHOPPING COSTS IN THE MAIL? COSTS IN THE MAIL? >> > > I STATED TO VIEW OUT FOR A >> > > I CLAIMED TO KEEP AN EYE OUT FOR A $1,600 EXPENSE. $1,600 EXPENSE. SHE WAS PRETTY SURPRISED. SHE WAS PRETTY SURPRISED. >> > > Press reporter: WHY WERE YOU >> > > Reporter: WHY WERE YOU AMAZED? SHOCKED? >> > > WE HAD THE EPIDURAL PLACE IN IN >> > > WE HAD THE EPIDURAL PUT IN IN THE MIDDLE OF THE NIGHT.THE CENTER
OF THE NIGHT. THAT IS GOING TO QUIT AS WELL AS ASSUME WHO IS GOING TO STOP AND ALSO ASSUME TO ASK THE PARTICULAR DOCTOR OR TO ASK THE SPECIFIC MEDICAL PROFESSIONAL OR ANESTHESIOLOGIST THAT ENTERED INTO ANESTHESIOLOGIST THAT CAME INTO THE SPACE, FORGIVE ME, ARE YOU ON THE SPACE, I’M SORRY, ARE YOU ON MY INSURANCE COVERAGE PRIOR TO YOU DO THIS MY INSURANCE COVERAGE PRIOR TO YOU DO THIS TO ME? TO ME? I DON’T WISH TO OBTAIN A BIG EXPENSE I DON’T WANT TO OBTAIN A BIG EXPENSE IN THE MAIL. IN THE MAIL. >> > > Press Reporter: ERIN NEVER OBTAINED THAT >> > > Press Reporter: ERIN NEVER OBTAINED THAT BILL. COSTS. DESPITE THE FACT THAT SHE WENT TO THE SAME EVEN THOUGH SHE WENT TO THE VERY SAME HOSPITAL, HAD THE SAME MEDICAL FACILITY, HAD THE SAME INSURANCE.INSURANCE.
HER ANESTHESIOLOGIST WAS HER ANESTHESIOLOGIST WAS COVERED. COVERED. ON THE OTHER HAND, HER CLOSE FRIEND WAS STUCK ON THE OTHER HAND, HER FRIEND WAS STUCK HAVING TO CALL THE INSURANCE COVERAGE HAVING TO CALL THE INSURER. BUSINESS. >> > > AND ALSO THEY SORT OF DID A LITTLE >> > > AS WELL AS THEY KIND OF DID A LITTLE EXCAVATING AND STATED, OH, IT’S DIGGING AND ALSO STATED, OH, IT’S DUE TO THE FACT THAT YOU SELECTED AN OUT OF BECAUSE YOU CHOSE AN OUT OF NETWORK SUPPLIER WHEN YOU WERE NETWORK SUPPLIER WHEN YOU WERE IN THE HEALTHCARE FACILITY. IN THE HEALTHCARE FACILITY. I EXPLAINED, I DIDPASS BY I DISCUSSED, I DIDN’T SELECT ANYTHING. ANYTHING. I WAS IN LABOR AS WELL AS THIS IS FOR I REMAINED IN LABOR AS WELL AS THIS IS FOR GETTING THE EPIDURAL. GETTING THE EPIDURAL. THE FEMALE ON THE PHONE SIMPLY KIND THE WOMAN ON THE PHONE SIMPLY KIND OF KEPT REPEATING YOU SELECTED AN OF KEPT REPEATING YOU CHOSE AN OUT OF NETWORK COMPANY. OUT OF NETWORK SUPPLIER.
>> > > Reporter: DID IT SOUND TO YOU >> > > Press reporter: DID IT AUDIO TO YOU THAT SHE WAS UTILIZING THE LANGUAGE THAT SHE WAS USING THE LANGUAGE SHE IS TOLD TO USE WHEN SOMEBODY SHE IS TOLD TO USAGE WHEN A PERSON CALLS IN WITH A CRAZY COSTS? CALLS IN WITH An INSANE EXPENSE? >> > > YES, EXACTLY >>. >> > > YES, EXACTLY. > > Press reporter: YOU WERE GETTING A > > Reporter: YOU WERE OBTAINING A SORT OF FORMULAIC ACTION? KIND OF FORMULAIC ACTION? >> > > YES. >> > > YES. > > Press reporter: IT TOOK SEVERAL > > Press Reporter: IT TOOK SEVERAL CALLS AND ALSO LOTS OF FRUSTRATION.CALLS AND LOTS OF IRRITATION. LAY A LAY A LEILA AT SOME POINT OBTAINED HER MONEY LEILA AT SOME POINT OBTAINED HER REFUND. BACK. SOMETHING THAT DOESN’T ALWAYS SOMETHING THAT DOESN’T ALWAYS HAPPEN. HAPPEN. > > I HAD NO SUGGESTION THAT OUT OF > > I HAD NO >> SUGGESTION THAT OUT OF >> NETWORK PROVIDERS COULD BE IN AN NETWORK PROVIDERS COULD BE IN AN IN-NETWORK HEALTHCARE FACILITY. IN-NETWORK MEDICAL FACILITY. I THOUGHT IF YOU PICKED AN I THOUGHT IF YOU PICKED AN IN-NETWORK MEDICAL FACILITY, EVERY PERSON IN IN-NETWORK HEALTH CENTER, EVERYONE IN THE HOSPITAL IS IN NETWORK. THE HEALTHCARE FACILITY REMAINS IN NETWORK. > > WHEN INDIVIDUALS DO THEIR FEE
>> > > WHEN INDIVIDUALS DO THEIR FEE >> PERSISTANCE AND ALSO STILL OBTAIN STUCK DILIGENCE AND ALSO STILL OBTAIN STUCK WITH SEVERAL OF THESE CRAZY BILLS, WITH A FEW OF THESE CRAZY BILLS, THAT’S A FAILING IN THE SYSTEM THAT’S A FAILING IN THE SYSTEM TO SECURE CONSUMERS AS WELL AS AIDS.
