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She was 24 weeks pregnant and her bladder infection induced vaginal bleeding had been cured two months prior,
This point just keeps getting skipped over and it shouldn't. A bladder infection (UTI) does not cause vaginal bleeding. I had a UTI when I was 17 weeks pregnant. I was flat on my back for four days after I started antibiotics. But, my baby was just fine and there was no vaginal bleeding because there is no connection between the urinary tract and the uterus. If this woman was bleeding, something different was going on than just a UTI and it may very well have been early signs of her pregnancy complications while in Hawaii. It actually does sound like a pre-existing condition to me, regardless of what her doctor said.
But still its a Canadian policy bought under Canadian insurance regulations and a Canadian legal jurisdiction. American hospital has nothing to do with not being paid and US insurance regulations nothing to do with legal issues. Personally I'd never have let my wife fly to a foreign country knowing the same.; but that is beside the Canadian insurance point, BSBS are all different in every state and country by regulations of same.
I agree wholeheartedly! the insurance company in question has taken her money and refused to honour the agreement to provide her with the coverage required. She did everything right by answering every question on the form and some additional ones posed by her agent.
Her Canadian specialist and the Hawaiian one who treated her after birth have both stated the early bladder infection was NOT in any way responsible for the premature birth. That seems to be the sole reason for the denial of coverage, something professionals treating her have stated had no bearing at all.
This has all been confirmed
The debate about whether the hospital bill is excessive or not is moot. The insurance company did not say anything about an exclusionary clause due to attending a more expensive hospital nor did they suggest a more costly coverage because she was travelling to Hawaii.
There is just so much you can anticipate and I would suggest they purchased insurance in good faith to pre-empt a medical event. We're now picking nits over whether or not they thought they should be covered for nothing or gotten care for free by suggesting they and also Canada think that way when that is not the case at all. This is simply an insurance company doing what EVERY insurance company does, regardless whether they're a Canadian or American carrier.
This point just keeps getting skipped over and it shouldn't. A bladder infection (UTI) does not cause vaginal bleeding. I had a UTI when I was 17 weeks pregnant. I was flat on my back for four days after I started antibiotics. But, my baby was just fine and there was no vaginal bleeding because there is no connection between the urinary tract and the uterus. If this woman was bleeding, something different was going on than just a UTI and it may very well have been early signs of her pregnancy complications while in Hawaii. It actually does sound like a pre-existing condition to me, regardless of what her doctor said.
Regardless of what every doctor attending her has said, including the specialist in Hawaii?
I'm certainly no authority on vaginal bleeding but I would "guess" that not all of that has to originate solely from the uterus.
Look, I'm not a doctor either (just a woman who's been pregnant three times) and I know what her doctors said: that the UTI was not responsible for the premature delivery. That sounds reasonable to me, because a UTI that is treated is usually not serious. But then, what the heck caused the hemorrhaging? I would be interested in some clear explanation of how a UTI can cause vaginal bleeding.
Quote:
Originally Posted by BruSan
I'm certainly no authority on vaginal bleeding but I would "guess" that not all of that has to originate solely from the uterus.
No, it could be the cervix. Which is also bad, if you're pregnant.
What I am saying is, if I were the insurance company reviewing that claim, I would also question that "vaginal bleeding caused by minor UTI" part. I would be wondering what the heck caused that bleeding--maybe something that did contribute to her needing bedrest and all the rest, like a cervical problem? Maybe there WAS no connection, but maybe there was--regardless of what the doctor said.
How is the layman to know there is a risk if doctors agree travel will not pose a risk? I believe very strongly in accepting personal responsibility but in this case it would seem, on the face of all available information, they were not rolling the dice, as every site I have accessed rates plane travel at 24 weeks no more risky than car travel if there are no medical complications pre-existent. I "feel" although cannot state, these folks were not attempting to crap-shoot the system.
All Canadians are well aware, or should be given the constant flow of information, that medical costs are higher in the U.S. than virtually anywhere else in the world and I would be very surprised if they would game the system by disguising what they knew to be a pre-existing risk.
Because there has only been ONE article written about this situation, eh?
"Jennifer Huculak and her husband Darren Kimmel, both of Humboldt, Saskatchewan, bought travel health insurance to be safe — but then their claim was denied.
...
(In Canada, health-care costs like prenatal care, labor and delivery are all covered through universal health care provided by the federal government.)"
"After learning that their bills would not be covered, the couple tried to return to Canada, but doctors informed them that it wasn’t safe, so they stayed put, shelling out about $30,000 on car and apartment rentals. "
Democrats are so freaking bad at math: They want their kids to go to multi-million dollar schools built by union labor making $75,000 a year, staffed by union teachers making $100k a year so their precious progeny can go to liberal colleges that cost $200k so they can work as doctors and lawyers and nurses and other high-paying professions to pay off their enormous debt. They want to raise taxes and give everyone "free" medical care in hospitals built by union labor, staffed with high dollar doctors and nurses and union staff which is common at regional teaching hospitals, using state-of-the-art equipment funded by private R&D and of course climate controlled with evil electrcity at $.27 a kW hour. All of these people deserve world-class benefits and pensions, of course. And then they sit back and think because they are exploiting the Mexican janitor and maintenance staff and paying them under the table to do their dirty work the hospital bills shouldn't be so high. Pitiful. Add it up sometime.
I really wish people would read articles before commenting. She had travel insurance, purchased from Blue Cross of Saskatchewan. They are refusing to cover it because they think she knew she had a high risk pregnancy and didn't disclose it.
Did you see how long that child was in the hospital? The child was in a neonatal intensive care unit for 2 months. The Canadian providence health system is only willing to pay $20,000. Who is supposed to pay for this? Top rated medical care costs a lot of money.
I'm guessing....some posters on this thread say the US taxpayer should foot the bill.
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