I planned to have a homebirth but after three days in labor including being at 9 cm for a good part of a day, we transferred for pain relief and pit to get me to 10 cm. My insurance's website is showing a claim from the OB on call where there is a $300 charge for "medical visit" and is not being covered because "This Procedure Or Supply Is Part Of The Global Service. These Charges Are Not Eligible For Separate Reimbursement." I'm thinking about contacting the hospital about this charge because my insurance is claiming that we are solely responsible and that that amount isn't even going to be applied to our deductible. I'm hoping they can bill it in such a way that the insurance will cover it. But how/what do I ask? Anyone out there with experience in this?
We still need to see what our insurance company will cover in terms of the midwife's fee and I'm so worried that the transfer is going to screw us financially and I already feel lousy enough about having to transfer!