11-19-2014, 12:23 PM
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#1
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First Line Centre
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Saskatchewan couple face $1M medical bill for US birth
http://globalnews.ca/news/1679588/dr...chewan-couple/
Interested to hear opinions on this one. In case you missed it in the news a couple from Saskatchewan gave birth prematurely while vacationing in Hawaii and have now learnt their insurance won't cover the $1M in medical bills. Now they are contemplating bankruptcy.
On one hand the couple probably shouldn't have travelled in the first place.
But on the other hand they did get insurance coverage and double checked to make sure they were in fact covered.
If anything it just goes to show you how much fine print there is for insurance policies.
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11-19-2014, 12:24 PM
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#2
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Franchise Player
Join Date: Oct 2001
Location: Vancouver
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Quote:
Originally Posted by Calgary14
http://globalnews.ca/news/1679588/dr...chewan-couple/
Interested to hear opinions on this one. In case you missed it in the news a couple from Saskatchewan gave birth prematurely while vacationing in Hawaii and have now learnt their insurance won't cover the $1M in medical bills. Now they are contemplating bankruptcy.
On one hand the couple probably shouldn't have travelled in the first place.
But on the other hand they did get insurance coverage and double checked to make sure they were in fact covered.
If anything it just goes to show you how much fine print there is for insurance policies.
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Apparently her travel policy was expired anyway.
$1 million seems like too much, but it doesn't sound like they did their due diligence.
http://www.cbc.ca/news/canada/saskat...-u-s-1.2839319
__________________
"A pessimist thinks things can't get any worse. An optimist knows they can."
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11-19-2014, 12:24 PM
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#3
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Franchise Player
Join Date: Mar 2012
Location: Sylvan Lake
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Who much are babies fectching on Ebay these days?
__________________
Captain James P. DeCOSTE, CD, 18 Sep 1993
Corporal Jean-Marc H. BECHARD, 6 Aug 1993
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11-19-2014, 12:25 PM
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#4
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evil of fart
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Quote:
Originally Posted by FlamesAddiction
Apparently her travel policy was expired anyway.
$1 million seems like too much, but it doesn't sound like they did their due diligence.
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Where did you hear that?
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11-19-2014, 12:26 PM
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#5
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Lifetime Suspension
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I read this and am not lawyer or doctor so maybe I am missing something but if the doctor says there was no pre-existing condition then how is it not on Blue Cross to pay up?
Are they able to just say sorry doctor we don't believe you so we say it is a pre-existing condition and you are screwed?
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11-19-2014, 12:26 PM
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#6
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Franchise Player
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I would really like to hear specifics from Blue Cross about why this was denied, and what else the couple should have down to ensure that coverage was in place and would be honored. Other than the bill being expensive, I mean.
EDIT: After reading the CBC article provided, it sounds like the issue is the 2 month stay in neonatal. Which - what should a couple do there? You couldn't insure the child for health care before birth, could you? Why would you when it was born almost 3 months prematurely?
Last edited by Finger Cookin; 11-19-2014 at 12:29 PM.
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11-19-2014, 12:26 PM
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#7
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Franchise Player
Join Date: Mar 2007
Location: Income Tax Central
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That is absolute batshat insanity.
Take away every other detail and this is still insane.
$1M dollars? Even if it was Donald Trump thats a lot of money for a circumstance beyond anyone's control.
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11-19-2014, 12:28 PM
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#8
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Unfrozen Caveman Lawyer
Join Date: Oct 2002
Location: Crowsnest Pass
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Kickstarter?
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11-19-2014, 12:28 PM
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#9
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Franchise Player
Join Date: Mar 2012
Location: Sylvan Lake
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Quote:
Originally Posted by FlamesAddiction
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When was the child born?
Was the policy valid at the time of birth?
__________________
Captain James P. DeCOSTE, CD, 18 Sep 1993
Corporal Jean-Marc H. BECHARD, 6 Aug 1993
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11-19-2014, 12:30 PM
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#10
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Franchise Player
Join Date: Oct 2001
Location: Vancouver
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Quote:
Originally Posted by Sliver
Where did you hear that?
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In the link I posted probably just before you quoted.
Blue Cross is claiming in the letter to the hospital at the bottom of the CBC story that her policy was expired.
One of the parties isn't being truthful I suppose.
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"A pessimist thinks things can't get any worse. An optimist knows they can."
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11-19-2014, 12:30 PM
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#11
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Franchise Player
Join Date: Mar 2012
Location: Sylvan Lake
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Quote:
Originally Posted by Locke
That is absolute batshat insanity.
Take away every other detail and this is still insane.
$1M dollars? Even if it was Donald Trump thats a lot of money for a circumstance beyond anyone's control.
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I have taken my daughter to the hospital in the US......it is insanity, lucky we were covered.
__________________
Captain James P. DeCOSTE, CD, 18 Sep 1993
Corporal Jean-Marc H. BECHARD, 6 Aug 1993
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11-19-2014, 12:31 PM
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#12
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Franchise Player
Join Date: Oct 2001
Location: Vancouver
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Quote:
Originally Posted by undercoverbrother
When was the child born?
Was the policy valid at the time of birth?
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It says her water broke on December 10th. Policy said to be expired on November 9th.
__________________
"A pessimist thinks things can't get any worse. An optimist knows they can."
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11-19-2014, 12:31 PM
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#13
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Playboy Mansion Poolboy
Join Date: Apr 2004
Location: Close enough to make a beer run during a TV timeout
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One interesting part- $750K of the bill was the cost of caring for their daughter. I guess technically the daughter was not listed on the policy.... not sure how one would get around that. Could you get coverage for the yet unborn child? Or was the fact that the child was biologically attached to the mother at the time of the trip, the coverage should follow?
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11-19-2014, 12:33 PM
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#14
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Franchise Player
Join Date: Mar 2012
Location: Sylvan Lake
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Quote:
Originally Posted by FlamesAddiction
It says her water broke on December 10th. Policy said to be expired on November 9th.
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Ah sorry missed that.
I would say that the couple should have ensured their policy was renewed, that being said I wonder if previously their policy was automatically renewed and they therefore had an expectation that it would happen this time.
__________________
Captain James P. DeCOSTE, CD, 18 Sep 1993
Corporal Jean-Marc H. BECHARD, 6 Aug 1993
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11-19-2014, 12:33 PM
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#15
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Lifetime Suspension
Join Date: Jul 2003
Location: Calgary, Alberta
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At least the child will have US Citizenship.
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11-19-2014, 12:34 PM
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#16
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Franchise Player
Join Date: Mar 2007
Location: Income Tax Central
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Forget coverage, forget about the fact that they're Canadians.
If this happened to 'Random American #68' would the cost be the same? If the answer is yes that is one very, very broken system.
__________________
The Beatings Shall Continue Until Morale Improves!
This Post Has Been Distilled for the Eradication of Seemingly Incurable Sadness.
The World Ends when you're dead. Until then, you've got more punishment in store. - Flames Fans
If you thought this season would have a happy ending, you haven't been paying attention.
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11-19-2014, 12:34 PM
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#17
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Franchise Player
Join Date: Mar 2012
Location: Sylvan Lake
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Quote:
Originally Posted by the_only_turek_fan
At least the child will have US Citizenship.
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Good point, and the child is ahead of the game in the national passtime of accumulating debt.
__________________
Captain James P. DeCOSTE, CD, 18 Sep 1993
Corporal Jean-Marc H. BECHARD, 6 Aug 1993
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11-19-2014, 12:35 PM
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#18
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First Line Centre
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If you're born in the US doesn't that make you a US citizen (by default)?
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11-19-2014, 12:35 PM
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#19
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Lifetime Suspension
Join Date: Jul 2003
Location: Calgary, Alberta
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Quote:
Originally Posted by Calgary14
If you're born in the US doesn't that make you a US citizen (by default)?
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Yes, thats my point.
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11-19-2014, 12:36 PM
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#20
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Franchise Player
Join Date: Oct 2001
Location: Vancouver
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Quote:
Originally Posted by undercoverbrother
Ah sorry missed that.
I would say that the couple should have ensured their policy was renewed, that being said I wonder if previously their policy was automatically renewed and they therefore had an expectation that it would happen this time.
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That, or I wouldn't put it past an insurance company to find any way possible to invalidate the policy.
I feel sorry for them either way though. If she was close to being due and something like this happened, I would probably feel less sorry that they took a vacation then, but 9 weeks premature cannot really be planned for.
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"A pessimist thinks things can't get any worse. An optimist knows they can."
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