[x_harmoni_x]

Did you contact Child Health Plus? The people there may give you some insights on what should have been done.

It took us 6 months to get him child health plus. They lost our application or what ever and at that point it was already too late to get them to cover the nursery bill.

[ScottGem]

That's not the point. They may be able to point you the rules covering the birth.

What I'm seeing here would be tanatamount to going into a hospital with a broken leg then leaving the hospital in a wheel chair and not being told you were responsible for paying for the wheel chair that the coverage would only cover crutches. Clearly a newborn is going to need a couple of days in the nursery and those sharges should have been discussed beforehand.

[x_harmoni_x]

I think you are misquoting NYS insurance law - this person is a dependent covered under her mother's insurance, she does not have her own insurance and I believe the law does not follow through to dependent grandchildren.

To a certain extent I am surprised that it has covered this person's childbirth expenses because that is often an exclusion - but, then again, I don't know the circumstances or the policy wording.

I have no idea as to how the policy was worded, but they law doesn't specify in as to who just as to maternity care is to include the newborn for 48 hours. I'm not really sure how to interpit the law because it doesn't specify. You would think since they covered all my prenatal care, labor and delivery that they woulld have covered the nursery bill.
My main problem is that this was 5 years ago already. I don't know how to approach it at this point.