Health insurance is supposed to give you peace of mind, as no one knows when a medical emergency will arise. You don’t expect a medical emergency to be defined as something else that isn’t included in that insurance policy that once offered comfort!
Jennifer Huculak was six months pregnant back in 2013 when she and her husband left their home in Canada and headed for their vacation to Hawaii, which was cleared by her doctor, according to The Spread It on Nov. 19. That vacation turned into a medical emergency and she followed doctor’s orders.
In less than 48 hours of landing in Hawaii, Huculak’s water broke and she was rushed to the hospital. She was ordered by doctors to spend the next six weeks on bed rest. The Canadian woman gave birth to her daughter six weeks early and the mother and daughter spent a total of 14 weeks in the hospital.
Her newborn daughter spent two months of that time in intensive care. According to the website Growing Your Baby, both mom and baby are fine today after their long ordeal.
Unfortunately the same cannot be said for their financial picture as the total of the bill came to over $950,000. Their Blue Cross insurance, which is one of the most well-known and recognized insurance in North America, is flat out refusing to pay.
The reason behind this huge insurance company not paying for the medical bill doesn’t seem to make sense. They are calling Huculak’s pregnancy a “high-risk” pregnancy from the beginning, which is not the case, according to the new mom and her doctors.
Blue Cross offered up an explanation for their decision saying, “Ms. Huculak was diagnosed and treated for a high-risk pregnancy in the six months prior to departure. As Ms. Huculak is currently hospitalized and being treated for this high-risk pregnancy, any expenses incurred are not eligible under the terms of your policy.”
It seems as if Blue Cross considers a bladder infection that Huculak contracted early on in her pregnancy, high risk. The new mother’s doctors said that she did not have a high-risk pregnancy.
What happened early on was just a bladder infection that caused a little bleeding at the time. Huculak and her husband are on the brink of bankruptcy looking at paying this bill.
“These things just happen. There’s nothing that causes them,” explained a health official in Hawaii. This is what health insurance is all about.
You are supposed to be protected, but in this case Huculak feels as she was left to fend for herself with this medical bill. She is also very upset because Blue Cross never explained what their idea of a per-existing condition was when she joined this popular insurance plan.
While this is a story about a Canadian woman and her baby, this could feasibly be any new mother’s story when it comes to insurance coverage. The reason for insurance is to protect yourself and your family from huge medical bills, but it didn’t work that way in this incident.
It sounds as if this young Canadian mother is left with no recourse with this million dollar medical bill and that could come as one scary thought to many who trust that the insurance is there when needed!