How To Add Newborn To Insurance Blue Cross Blue Shield – Hospital offers parents $45,843 per month stipend for baby’s NICU stay: Injection – Health News After baby Dorian Bennett arrived two months early and spent more than 50 days in the NICU, his parents were hit with a bill of more than $550,000 – even with health insurance.
Baby Dorian Bennett arrived two months early and needed care. Despite having insurance, mother Bizzi Bennett and her husband faced more than $550,000 in costs and were given a payment plan of $45,843 a month over 12 months. Zack Wittman for hidden Kaiser Health News articles
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Baby Dorian Bennett arrived two months early and needed care. Despite having insurance, mother Bizzi Bennett and her husband faced more than $550,000 in costs and were given a payment plan of $45,843 a month over 12 months.
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Near midnight on November 12, 2020, Busy Bennett sat on the couch in jeans, uncomfortable. She was seven months pregnant with her first child, Dorian, and the thought that he might be seriously ill never crossed her mind.
Then he heard a contraction so strong it knocked him out of his chair. She yelled at her husband, Chris, and they ran to the car and began the 15-minute drive to Advent Health Hospital in Orlando, Florida. About halfway through, Bennett gave birth to Dorian in the family’s Mitsubishi Outlander. Her husband had one hand on his newborn son and one on the steering wheel.
Born last, meaning his head emerged last, Dorian didn’t cry at first, and the new parents were afraid something was wrong. Chris Bennett activated the flashers on the SUV and flagged down the crash vehicle. The emergency team took the family to the hospital.
‘He was still attached to me by the umbilical cord when we were both taken to the hospital,’ Bizzi said. ‘They cut the umbilical cord and the last thing I heard was ‘He’s got a pulse’ before they dragged me away.’
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Dorian stayed in the NICU until January 7, 2021 – almost two months. While Dorian was in the hospital, Busy didn’t care about the price. He works in the insurance industry and carefully chose AdventHealth Orlando because the hospital is close to his home and in his insurance network.
Patient: Dorian Bennett, a baby born two months premature. He has health insurance through his mother’s employer, AssuredPartners, where he works as a licensed real estate agent.
Medical services: intensive care unit for children under 56 days. Dorian needs intelligence, rescue breathing and food until his body grows. He also underwent medical, radiological, surgical, cardiological and audiological treatment.
Provider: AdventHealth Orlando in Orlando, Florida. It is part of the AdventHealth system, a nonprofit and faith-based group of health care providers with locations throughout Florida and several states.
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Total costs: AdventHealth Orlando paid $660,553 for Dorian’s intensive care care. Because of an insurance dispute, the ‘patient liability’ on the bill sent to the Bennetts was $550,124. They offered a payment plan of $45,843 per month over 12 months.
What’s provided: Under the 2010 health law, Neofit hospitals must provide financial assistance to help patients pay their bills, and payment plans can be part of that service. But the experience of the Bennett family shows that the system is far from acceptable to patients.
The amount Bennetts is being paid — $45,843 — is more like an annual salary than a base salary. This ridiculous plan was apparently created by the hospital’s billing system. A hospital spokesman, David Breen of AdventHealth, did not respond to KHN’s questions about its billing software or why the hospital did not list the five monthly bills. Issues that may require additional attention.
The size of the Bennetts’ bill stems from two overlapping issues: Baby Dorian was born in 2020 and needs hospital care in 2021, and Bisi Bennett’s staff switched her medical plan to another company in January 2021. He notified AdventHealth of the change.
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As someone who works in the insurance industry, Bennett is sure he understands the mix and that a value of more than half a million dollars is illegal.
The busy Bennett immediately noticed and realized what was wrong when he received the payment statement in the spring of 2021. But it took almost a year of phone calls and in-person Journalists looking to uncover the problem. Zack Wittman for hidden Kaiser Health News articles
The busy Bennett immediately noticed and realized what was wrong when he received the payment statement in the spring of 2021. But it took almost a year of phone calls and in-person Journalists looking to uncover the problem.
But as Dorian turned one last month, the family still has outstanding bills and red tape to contend with.
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AdventHealth covered the 2020 and 2021 days of Dorian’s NICU stay and then paid both insurance premiums for the entire stay. The two insurance companies said the bill had a maintenance date when Dorian didn’t pay, so the hospital didn’t pay. The change from one year to the next confused our big business, which didn’t seem motivated to solve the problem quickly.
‘A bill like this is a big deal for the family, but it’s not a big deal for the insurance company or the hospital,’ said Erin Fuse Brown, a law professor at Georgia State University. ,’ said Erin Fuse Brown, a law professor at Georgia State University who studies health care law.
In 2020, Dorian was covered by UnitedHealthcare’s plan, which has a $6,000 deductible for in-network providers and a $6,000 maximum for families.
In 2021, employer Bisi Bennett switched its third manager from its self-pay plan from UnitedHealthcare to UMR. The deductible and out-of-pocket maximum are unchanged.
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‘It’s indicative of all the ways the patient can’t do it,’ says Fuse Brown. ‘Even the one that does everything right.’
Through the battle nearly a year ago, the Bennetts also cared for Dorian, who was released from the hospital with gastrointestinal issues, and managed Chris’s treatment for stage four neuroendocrine cancer, which was diagnosed in April. At one point, Bizzy said, he felt like he was going crazy.
‘They paid, and I shouldn’t be the one to tell them, ‘Get me one insurance for 2020 and write me another insurance for 2021,’ but I did,’ he said. ‘I continued the same conversation.’
Solution: The busy Bennett immediately noticed and understood the problem with the sheet when he received his bill in the spring of 2021. He started calling the hospital and was told the problem would be fixed in March. However, in September he received the same bill for half a million dollars.
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UnitedHealthcare spokeswoman Maria Gordon Shidlo, who also wrote KHN’s questions to UMR, said the insurance company told AdventHealth to adjust prices to the correct dates in the spring.
Breen, a spokesman for AdventHealth Orlando, confirmed to KHN that the billing error was due to switching insurers from 2020 to 2021. In a statement, Breen said that paying for treatment can be a complicated process and that the hospital ‘understands that. This is confusing and hard on Mrs. Bennett, and we apologize for the inconvenience.’
AdventHealth Orlando did not send an updated bill with repair dates until KHN contacted the hospital in October 2021.
After UHC and UMR repeated the request in 2020 and 2021, the original bill of more than $550,000 was reduced to $300.
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Dorian Bennett was born in late 2020 and requires hospital care in 2021. Employer Bisi Bennett has changed healthcare managers in the new year. The hospital then took out two insurance policies for the entire stay. Both health facilities said the bill includes days of care when the child is not covered, so it is not covered. Zack Wittman for hidden Kaiser Health News articles
Dorian Bennett was born in late 2020 and requires hospital care in 2021. Employer Bisi Bennett has changed healthcare managers in the new year. The hospital then took out two insurance policies for the entire stay. Both health facilities said the bill includes days of care when the child is not covered, so it is not covered.
In his statement, Breen said Bennett’s case challenged AdventHealth to identify and address problems in its system and that the hospital plans to improve its billing and communication processes for future illnesses, especially when insurance changes occur.
The takeaway: Most of our conflicted healthcare systems are on autopilot, with billing software that is confusing or, in this case, wildly expensive and payment plans.
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The busy Bennett did everything right: He chose a hospital online and told him about the change in health insurance. He continued when he saw it was a mistake. But his case was not resolved until a reporter contacted him.
If you are disputing a bill that you believe has an error, contact all parties involved – the hospital, insurance company,
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