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Reply to "Story about the "free birthers." Anyone read it?"
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[quote=Anonymous][quote=Anonymous]FYI guys, it is a complete and utter myth that insurance won't cover going "AMA". They won't cover medically unnecessary care; but, for example, what are you even talking about that you "had" to show up for an induction at 40 weeks? What is there to not cover at that point? Are you claiming that they would not have covered your birth when you showed up in labor at 41 weeks? Bullshit, and you know it. Logic, guys. Same goes for checking yourself out of a hospital "AMA" 24 hours after a c-section. I wouldn't do it, but your shortened hospital stay doesn't become medically unnecessary because you left early. [/quote] NP. I was told for my first two births in the hospital (both well respected hospitals in different states) that if I left early AMA, my insurance probably wouldn't cover it. This time, I called my insurance company prior to the birth to ask this exact question, and they confirmed that yes they'd pay of course as long as I had a legit reason to be in the hospital in the first place which of course childbirth is. So I was armed and ready and curious what this hospital (a third one, and one that would definitely be considered within the top few in the country) would try on me.... and I literally couldn't believe it when I was told the same myth yet again by a nurse. It's amazing and disgusting how they try to scare people. Anyway, the ONLY thing I wasn't sure about - and what they argued this time - is that if I ended up being readmitted for a related/same issue or complications that are in any way related to the birth, then insurance wouldn't pay for the readmission. I haven't confirmed that, but I would do that if I ever had a 4th child. In my case, it wasn't me being held this time against my will but the baby (first two times it was me), and so I had to keep the baby there longer even though it was CLEARLY not the best thing for the baby (I was struggling with milk production due to being overtired, no sleep for mom in hospital, etc) because I didn't want CPS on my doorstep the next day. Of course everything was totally fine once I got home. So I can see why people don't want to deal with hospitals. They're great when things go wrong, and I agree it's irresponsible to not be near one if you have the choice, but they really aren't the best places for most healthy mom/baby pairs to be within a couple of hours after the birth. [/quote]
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