My wife was admitted to the hospital on 20th July for delivery. She has delivered the baby on 21st july and been there in the hospital till 23rd of July. I had the insurance plan of 80% coverage on 20th Jul and 90% coverage from 21st onwards.
The hospital charged me around $15000 as a total bill and the insurance is charging me 20% on the total bill without taking the 90% coverage plan into consideration.
When I asked the Insurance, they are telling me that they have a contract with hospital and cannot split the bill by date or service for the “Delivery”. So they can charge me 20% based on the admission date. I am loosing 10% coverage from 21st july to 23rd july even though the plan has been effective since 21st july. This is with insurance “UHC” and the hospital “Texas Health”. The hospital also telling me that they cannot split the bill by date or service since the insurance does not allow them to do so!.