this post was submitted on 21 Feb 2026
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A couple were told they faced a $200,000 (£146,500) medical bill when their baby was born prematurely in the US, despite them having travel insurance which covered her pregnancy.

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[–] JcbAzPx@lemmy.world 17 points 1 month ago (2 children)

Only $200k? They got a deal there.

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[–] RememberTheApollo_@lemmy.world 15 points 1 month ago (4 children)

The shitty American medical system being what it is I gotta blame the travel insurance. If their insurance was supposed to cover it and didn’t, that’s an insurance problem.

[–] Dozzi92@lemmy.world 16 points 1 month ago (2 children)

And the insurance did end up paying, but nine months later after what is referred to as a legal battle. So presumably these folks had to go into their own pockets for it. Typical bullshit.

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[–] TigerAce@lemmy.dbzer0.com 13 points 1 month ago (8 children)

From what I've heard from Americans working in hospitals is that this bill is what the hospital writes but they only charge a small amount and declare the rest at their own insurance as a loss. So the couple would end up with a bill of a few hundred dollars, nothing more. This is common practice, is what those people told me. I don't know if this is the case in every state though. But it sure is one weird fucked up system.

[–] yannic@lemmy.ca 11 points 1 month ago (1 children)

Is that a legitimate business strategy?

I just send my customer a bill for a ridiculous amount, then my customer negotiates for something significantly less, and I can write off the difference?

There must be more to this. It's too good to be true.

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[–] HubertManne@piefed.social 12 points 1 month ago

insurance in general in the us is increasingly security theater. Not just medical.

[–] EndlessNightmare@reddthat.com 11 points 1 month ago (6 children)

Aren't you supposed to avoid air travel during the later stages of pregnancy?

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[–] ragebutt@lemmy.dbzer0.com 9 points 1 month ago

I have a friend who had a c section birth that otherwise had no complications (other than requiring a c section. They were in the hospital 4 days iirc, way less than a week. Insurance was billed for 98,000. They had a 10k out of pocket max, thankfully

[–] Tollana1234567@lemmy.today 9 points 1 month ago (3 children)

isnt advisable by studies for pregnant woman to not travel outside thier country to avoid situations like these.

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[–] Mouselemming@sh.itjust.works 8 points 1 month ago (3 children)

For most US medical bills the number you see and what the insurance company will actually pay (even to completely settle the bill) are entirely different numbers. Although this isn't medical insurance per se. I bet they negotiated it down though.

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